Is the XRP Ledger ready to replace SWIFT? Not yet — but it’s getting close.

The XRP Ledger (XRPL) has validated over 96 million ledgers since 2012. With a new ledger created every 3–5 seconds, it’s one of the fastest and most reliable blockchains out there.

But is it ready to power a global network like SWIFT, which handles 40M+ messages daily?

Not quite.

XRPL currently handles ~1,500 transactions per second, which is fast — but still below the scale of Visa or SWIFT-level infrastructure. That said, the groundwork is being laid:

•Sidechains (XLS-38d) will allow scalable, parallel ledger environments.

•Hooks & smart contracts via the Xahau network are bringing logic without bottlenecks.

•The consensus model is lightweight and efficient — but will need to evolve as volume grows.

So what happens to the ledger if Ripple does rival SWIFT?

Expect explosive growth: billions of transactions, terabytes of on-chain history, and demand for Layer 2 scaling.

XRPL would need to level up — and it’s already moving in that direction.

In short:

No, XRPL isn’t ready to carry global finance yet. But it’s getting closer — ledger by ledger.

What do you think? Can a decentralized ledger really support the world’s money flows?$XRP