Ripple instead of SWIFT?
Morgan Stanley names XRP technology as a leading alternative
A remarkable shift is emerging in the world of international financial transactions – and Ripple is increasingly in the spotlight. A new report from Morgan Stanley, one of the largest financial service providers in the world, puts it succinctly: Ripple-based systems could form the backbone of a modern global payment system – thus replacing the existing SWIFT network.
What did Morgan Stanley say?
Morgan Stanley describes Ripple in a recent analysis as a leading alternative to SWIFT for international payments. A 'Ripple-like payment system' is particularly highlighted, which offers significant advantages over the traditional banking system:
• Faster settlements
• Lower transaction costs
• Higher transparency
• Lower fraud risk
These statements carry weight – not only because of the size and reach of Morgan Stanley but also because they reflect an institutional perspective on the future of money transfers.
Why is this significant for XRP?
RippleNet – the global network of Ripple – uses XRP as a bridge currency to process cross-border payments in seconds. The traditional SWIFT system, on the other hand, can take several days, is expensive, fragmented, and heavily dependent on intermediary banks.
Morgan Stanley indirectly confirms the narrative that Ripple has been pursuing for years: that XRP is not just a cryptocurrency, but a technological tool for increasing efficiency in global payments.
What does this mean for investors and the future of XRP?
This institutional recognition is a strong signal for the market. When investment banks like Morgan Stanley publicly talk about Ripple as a SWIFT alternative, it is no coincidence but part of a growing trend:
• Ripple gains trust with major banks
• XRP is being re-evaluated as an infrastructure coin
• Institutional adoption is approaching
Conclusion:
Ripple is increasingly seen not as a competitor to Bitcoin or Ethereum, but as a strategic player in international payments. The statements from Morgan Stanley emphasize: XRP is much more than just a coin – it is a keystone in the restructuring of the financial system.
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