Chainlink x XRP: Rivals or Allies in the Future of SWIFT? 🚀💱
🔹 What is happening?
• For years, the XRP community believed that Ripple would be SWIFT's partner to modernize international payments.
• The surprise came when SWIFT announced tests with Chainlink and its CCIP (Cross-Chain Interoperability Protocol) to connect 11,000+ banks to different blockchains.
• Major players like BNP Paribas and BNY Mellon have already participated in tests involving the movement of tokenized assets.
🔹 Different functions
• $LINK Chainlink → Connection, interoperability, and data between systems.
• XRP → Fast and cheap settlement of values.
💡 In practice: Chainlink creates the bridge between banks; XRP (or stablecoins/CBDCs) can be the asset used to move the money.
🔹 Competition or partnership?
• It is not a direct replacement: SWIFT can use Chainlink for communication and XRP for settlement.
• Ripple already uses Chainlink oracles for its stablecoin RLUSD, showing technological cooperation.
🔹 Impact for the future
• Chainlink strengthens SWIFT, opening doors for multiple digital assets.
• XRP can still be a key player where speed and low cost matter.
• The scenario points towards integration, not exclusion.
📌 Summary for investors
It is not “one against the other” — the victory can be joint:
• Chainlink → Expands connectivity and use cases.
• XRP → Offers liquidity and instant settlement.
The banking future may very well have both in the same ecosystem.
