According to former SWIFT CEO Gottfried Leibbrandt, XRP is an important part of Ripple’s core value, but banks remain cautious in adopting it due to concerns about price volatility and legal risks. Although XRP offers clear benefits such as faster cross-border payments, lower costs, and greater transparency compared to traditional systems, the lack of clarity in the legal framework in many countries remains a significant barrier for risk-averse financial institutions.
SWIFT is currently closely monitoring the cryptocurrency market and may act when regulations become more transparent and volatility is controlled. As legislation on market structure and crypto regulation is gradually being finalized, integrating XRP could shift from a technological upgrade to a strategic necessity. If implemented, XRP has the potential to fundamentally change international money transfer operations, bringing digital assets further into traditional finance.
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