A growing dispute between Ripple and the global financial network SWIFT is intensifying, raising questions about the future of cross-border payments. SWIFT’s Chief Innovation Officer, Tom Zschach, has publicly challenged the viability of XRP as a solution for banking settlements. He argues that banks prefer neutral governance structures over XRP. Ripple, on the other hand, maintains that XRP serves as a liquidity bridge, offering efficiency and speed to global transactions. This debate has sparked discussions about governance models, regulatory compliance, and market sentiment. The potential impact of this dispute is significant, with Ripple’s market positioning potentially affected by SWIFT’s stance.