The global payments landscape is undergoing a seismic shift, and some of the biggest names in finance are now publicly aligning on where the future is headed. According to a post by Good Morning Crypto on X, Ripple CEO Brad Garlinghouse recently emphasized the sheer scale of the opportunity before Ripple and XRP , noting that trillions of dollars flow across the globe through the SWIFT network, a technology architecture developed 50 years ago. Garlinghouse pointed out that this aging system offers no opportunity to modernize, particularly given the U.S. government’s historically combative stance toward innovation. However, he added that this is beginning to change, citing what he called “the Trump effect” as a profound force for shifting the landscape. JUST IN: MARK YUSKO TALKS “MODERNIZING PAYMENTS” & THE POSSIBILITY OF RIPPLE $XRP REPLACING SWIFT! “EVERYTHING HE (RIPPLE CEO) TALKS ABOUT IN TERMS OF TECHNOLOGY & THE GOAL, I AM IN VIOLENT AGREEMENT WITH.” — @MarkYusko DO YOU BELIEVE RIPPLE IS REPLACING SWIFT? Comment… pic.twitter.com/Z7k0cqaymv — Good Morning Crypto (@AbsGMCrypto) May 24, 2025 In an eye-catching endorsement, legendary investor Mark Yusko weighed in on the discussion of modernizing payments, signaling strong alignment with Ripple’s vision. “Everything he (Ripple CEO) talks about in terms of technology and the goal, I am in violent agreement with,” Yusko declared, reinforcing the growing sentiment that blockchain solutions like Ripple’s could soon challenge SWIFT’s longstanding dominance in cross-border financial transactions. Why Ripple and XRP Are Positioned to Modernize Global Payments SWIFT has been the backbone of international payments for decades, facilitating interbank communications and money transfers across more than 200 countries. Yet despite its global reach, SWIFT’s system is widely criticized for slow settlement times, high costs, and dependency on intermediaries, creating friction that no longer aligns with the needs of a real-time digital economy. Ripple, on the other hand, offers a blockchain-based alternative designed to address these inefficiencies. Using XRP as a bridge asset, Ripple’s On-Demand Liquidity (ODL) solution enables financial institutions to settle cross-border payments in seconds, eliminating the need for pre-funded accounts and significantly lowering costs. Ripple’s blockchain network delivers speed, transparency, and interoperability — attributes that SWIFT’s legacy architecture cannot easily replicate. Garlinghouse’s statement underscores the vastness of the opportunity: we are talking about trillions of dollars that could be moved more efficiently, securely, and transparently. The fact that this opportunity has been restrained, in part, by regulatory hurdles and government resistance is not lost on key industry observers. But Garlinghouse believes that the dynamic is shifting, particularly in light of evolving political leadership and a global push to embrace innovation. Mark Yusko’s Backing: Why It Matters Mark Yusko is no ordinary voice in the financial world. As the founder and CEO of Morgan Creek Capital Management, Yusko has long been a respected figure in both traditional finance and digital asset investment circles. His public endorsement of Ripple’s technology and mission — described in his own words as a “violent agreement” — is a powerful signal that institutional investors and asset managers are taking Ripple’s role in the future of payments seriously. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 Yusko’s alignment with Ripple’s vision reinforces the idea that the modernization of payments is not just about technological upgrades but about fundamentally transforming how value moves across borders. This isn’t merely a crypto story; it’s a macroeconomic evolution, one where blockchain-based systems could create new standards for efficiency, inclusivity, and cost reduction at a global scale. Can Ripple Replace SWIFT? The million-dollar question is whether Ripple can fully replace SWIFT. While the possibility excites many in the crypto space, the reality is nuanced. SWIFT’s entrenched infrastructure, regulatory entanglements, and massive institutional buy-in make a complete takeover unlikely in the short term. However, Ripple does not necessarily need to replace SWIFT entirely to have a transformative impact. Even capturing a portion of SWIFT’s market share or providing a parallel system for high-friction corridors could generate massive value and reshape industry practices. Good Morning Crypto’s post brings this debate to the forefront: do we believe Ripple is on the verge of replacing SWIFT? The signs suggest that at the very least, Ripple is positioned to become a formidable alternative, especially as political, regulatory, and institutional environments grow more receptive to blockchain-based innovation. Ripple’s recent legal victories over the SEC, particularly the 2023 ruling that clarified XRP’s status on secondary markets, have cleared significant barriers, allowing institutional players to reengage with confidence. The Road Ahead The financial world is watching closely. As political climates shift and institutional champions like Mark Yusko voice their support, Ripple’s potential to reshape the global payments ecosystem is no longer a fringe conversation — it’s a mainstream debate. While the future of SWIFT is far from over, its monopoly over cross-border payments is no longer guaranteed. As Garlinghouse noted, the opportunity is massive. And with industry veterans like Yusko standing in “violent agreement,” Ripple and XRP may soon step beyond the shadow of SWIFT and carve out their historic place in the evolution of global finance. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. 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