Crypto researcher SMQKE has drawn attention to a widely circulated CB Insights report that outlines Ripple’s growing influence in transforming global financial transactions. The report provides a comparison between Ripple’s blockchain-based model and the traditional SWIFT messaging network, underscoring Ripple’s advantage in facilitating real-time communication and settlement. The report describes SWIFT as operating similarly to email systems, emphasizing that its one-way message structure inherently causes delays. Each party involved in a transaction must independently verify and screen the information before final settlement can take place. This conventional structure caused inefficiencies, particularly in cross-border payments, where delays and higher operational costs are often experienced. “SWIFT messages are one-way, much like emails, which means that transactions can't be settled until each party has screened the transaction. By integrating directly with a bank's existing databases and ledgers, Ripple provides banks with a faster, two-way communication protocol… https://t.co/TVjZYKMnxI pic.twitter.com/z13Ld3soip — SMQKE (@SMQKEDQG) June 16, 2025 Ripple’s Integration With Banking Infrastructure Ripple’s approach stands in contrast to this legacy framework. The report notes that Ripple integrates directly with a bank’s existing databases and ledgers, creating a direct connection to institutional infrastructure. This setup enables two-way messaging between financial institutions. This permits real-time settlement rather than simple transaction notifications. The enhanced system, according to the CB Insights publication, equips banks with tools to communicate more effectively and act on transaction data immediately. Instead of relying on sequential confirmations from both ends of a transaction, Ripple’s system supports atomic processes, which align communication and settlement in one continuous operation. This operational model eliminates many of the barriers that contribute to time lags and procedural redundancies in traditional banking networks. Commentary from the Community The report, which SMQKE shared alongside a concise endorsement of Ripple’s superiority over SWIFT , has drawn additional comments from industry observers. One user, X Finance Bull, described the changes Ripple is implementing as “real disruption,” noting that the blockchain firm is actively resolving inefficiencies that SWIFT never addressed. Another observer, Rob Cunningham, referred to Ripple’s model as “atomic settlement,” stressing that it goes beyond messaging by tightly integrating execution and record-keeping. Ripple’s current network includes more than 300 institutional customers across over 40 countries. These entities are participating in trials and implementations of Ripple’s blockchain-based tools, suggesting a growing institutional readiness for new settlement technologies. Cost Efficiency and Settlement Innovation The broader financial context, also featured in the report, illustrates why such innovations are timely. An analysis of international payment infrastructure costs shows that the global average cost is approximately 20.9 basis points per payment volume. Implementing systems like Ripple’s could reduce these costs by as much as 33 percent. The chart accompanying the article breaks down these savings across various components, including foreign exchange, liquidity, and payment operations. The structural limitations of SWIFT’s messaging system are becoming more apparent in a financial environment that increasingly values speed, transparency, and cost reduction. Ripple’s direct approach to connecting with internal banking systems and enabling instantaneous communication addresses these priorities with a streamlined solution that supports settlement in real time. By aligning the core of cross-border transaction systems with blockchain technology, Ripple is positioning itself as a strategic infrastructure provider capable of delivering what legacy systems have struggled to achieve. Follow us on X , Facebook , Telegram , and Google News The post Research Paper Shows Where Ripple (XRP) Beats SWIFT appeared first on Times Tabloid .
