Crypto influencer Gordon has sparked a debate by claiming he learned that XRP could replace the existing global payments system, SWIFT. This claim highlights how Ripple’s technology is challenging traditional banking infrastructure, particularly in cross-border transactions, and promises significant changes for the financial landscape. 5 years of dedicated work by Ripple to disrupt the existing system is finally starting to yield results. It appears as if Gordon discovered a trend that many observers were already aware of. The shift towards digital payment solutions has been steadily gaining momentum, with Ripple leading the charge. The company’s solution, built around XRP and the RippleNet network, addresses traditional banking limitations like high fees, delayed settlements, and lack of transparency. 20022 is a new global standard for electronic financial messages. SWIFT itself is migrating to ISO 20022 by 2025, signaling a significant update in the messaging language of global banking, which Ripple is actively integrating into its ecosystem. This strategic positioning puts Ripple’s technology at the forefront of this transformation. As many major banks around the globe are starting to partner with Ripple and incorporate its XRP-based solutions, the shift towards a faster, more efficient, and secure global payment system is becoming apparent.