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SWIFT System:

- The SWIFT (Society for Worldwide Interbank Financial Telecommunication) system is a global financial communication network that allows banks and financial institutions to exchange financial information and international financial transactions.

- The system is used for exchanging financial messages between banks and financial institutions, such as money transfers and payments.

- The system is characterized by high security and great reliability, as financial messages are encrypted and monitored carefully.

Ripple System:

- The Ripple system is an open-source payment network that enables banks, financial institutions, and users to conduct international financial transactions quickly, securely, and at low cost.

- The system uses a cryptocurrency called XRP to settle financial transactions.

- The system is known for its fast financial transactions (completed in a few seconds) and low cost, making it a popular choice for international payments.