Technical Fit and Institutional Momentum Favor XRP, But Hurdles Remain

[AIcash]

From a technical standpoint, XRP Ledger offers 3–5 second settlement and low fees, aligning with SWIFT’s modernization goals. RippleNet’s On-Demand Liquidity (ODL) demonstrates cross-border liquidity sourcing, and XRPL is ISO 20022-compatible, supporting SWIFT’s upcoming migration.

Institutionally, XRP is gaining traction with banks like DBS and Franklin Templeton, and Shariah-compliant approvals expand its potential. Yet, regulatory risks remain in some markets, making SWIFT cautious about endorsing XRP exclusively.

[Abdul Khan]

XRP Ledger’s 3–5 sec settlement + low fees fits perfectly with SWIFT’s modernization push But regulatory risks keep it from being exclusive.

[Nahid Hossen]

Banks like DBS + Franklin Templeton adopting XRP + Shariah approvals = strong institutional traction Still, SWIFT will likely keep multiple rails.