Ripple has settled its legal battle with the SEC, bringing clarity to XRP. Can it now rival SWIFT in international money transfers? SWIFT, founded in 1973, faces criticism for being outdated. Ripple argues blockchain tech offers better transparency and speed. SWIFT processes 53M+ messages daily across 220 countries but faces delays and high fees.

While SWIFT is widely used, Ripple offers faster transactions, lower costs. Ripple’s XRP price surged 400% in a year. However, Ripple doesn’t aim to replace legacy rails but modernize them. Regulatory hurdles and usability pose challenges. Ripple’s legal battle with the SEC over XRP tokens ended in August 2025, impacting US adoption.

Despite unique legal clarity, Ripple faces obstacles in overtaking SWIFT. Legacy systems, global regulation, and bank reluctance hinder Ripple. SWIFT’s network effect and ubiquity pose challenges. Stablecoins like Ripple USD aim to bridge the gap between traditional finance and crypto. Congress favors private stablecoins over a digital dollar or CBDC.

Ripple’s future in challenging SWIFT remains uncertain due to entrenched banking practices and regulatory challenges. Congress is leaning towards private stablecoins over a digital dollar or CBDC. Ripple aims to bridge the gap between traditional finance and crypto with stablecoins like Ripple USD. 1. The stock market reached record highs today, with the S&P 500 closing at 4,000 for the first time ever. This milestone comes as investors remain optimistic about the economic recovery and the rollout of COVID-19 vaccines.

2. In other news, the labor market continues to show signs of improvement, with the latest job report revealing that 678,000 jobs were added in March. This is the biggest gain in jobs since October and suggests a strong rebound in hiring across various sectors.

3. On the international front, tensions are escalating between Russia and Ukraine, with reports of increased military activity along the border. The United States has expressed concern over the situation and called for a de-escalation of tensions to avoid further conflict in the region.

Read more at cointelegraph.com: Ripple vs. SEC Is Over: Time to Challenge SWIFT?