In a recent episode of the Paul Barron Podcast, host Paul Barron sat down with Rupert from All In Crypto for a detailed discussion on XRP’s evolving role in the global financial system. One of the central topics was the comparison between XRP and SWIFT, the long-standing messaging system that facilitates cross-border payments.
Barron highlighted how the current macroeconomic climate and policy discussions intersect with the question of whether Ripple’s technology could eventually take over functions that SWIFT has managed for decades.
Barron on SWIFT and Ripple’s Position
Barron introduced the subject by directly connecting today’s financial backdrop with the possibility of change in cross-border settlement. He stated, “And you look at where we are right now on the Fed, where we are on SWIFT and the potential changeover of where SWIFT could eventually be replaced by Ripple.”
He linked this to broader challenges facing the U.S. dollar and global markets, noting that institutions may increasingly look for fallback options should traditional systems come under strain.
President Trump’s Endorsement of Modernization
During the discussion, Barron played a clip from President Trump, who spoke on the outdated nature of financial infrastructure.
The President remarked: “That behind the scenes, the technical backbone of the financial system is decades out of date, many, many years out of date. You know that Paul and others are straightening it out. But payments and money transfers are costly and take days or even weeks to clear. Under this bill, the entire ancient system will be eligible for a 21st-century upgrade using the state-of-the-art crypto technology. Who would have thought we would have been saying that two years after?”
Both Barron and Rupert viewed these comments as a strong indication that crypto-enabled solutions are being considered at the highest levels as part of a modernization effort.
Rupert’s Critique of SWIFT
Following the President’s remarks, Rupert describes how industry leaders have begun to question SWIFT’s efficiency. He referenced comments from BlackRock CEO Larry Fink, saying, “You mentioned Swift just before we went into that. Now, Larry Fink wrote a letter to his investors this year. And in that a quote is, but today relying on Swift feels like routing emails through the postal office. Bingo.”
Rupert then made the connection to XRP’s founding purpose, adding, “If you look at what XRP was created to do, it’s exactly what Trump just said the U.S. is embarking on. It’s not just Trump. It’s everybody around him.”
In Rupert’s view, XRP’s design aligns with the policy direction described by the President, aiming to provide faster, lower-cost settlement solutions than those currently available under the SWIFT network.
Projected Market Share Impact
Barron extended the conversation by estimating how Ripple’s technology could impact SWIFT’s global settlement share. He noted that Ripple CEO Brad Garlinghouse has spoken about capturing 10 to 20 percent of SWIFT transactions, but suggested the opportunity could be much larger.
Barron stated, “I think this is more likely to see an immediate impact on SWIFT settlement, maybe upwards of 60 to 70 percent. Well, if that were to happen, we’re talking about a revamping of the global finance system and the interconnectivity of the global world banks.”
This projection underscored the potential scale of disruption if institutions were to move significant portions of their cross-border flows onto crypto-based infrastructure.
The exchange between Barron and Rupert positioned XRP directly against SWIFT as a prospective replacement in global payments.
By combining President Trump’s call for a modernized financial backbone with Rupert’s framing of XRP’s intended role, and Barron’s projections of market share impact, the episode outlined how Ripple’s technology could challenge one of the most entrenched systems in international finance.
The discussion presented XRP not only as a project with ongoing relevance but as one that could sit at the center of a fundamental shift in how cross-border payments are executed.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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