- Ripple is unlikely to integrate with SWIFT, as experts say its goal is to replace outdated financial systems, not bridge them.
- The firm’s acquisition of Hidden Road signals a push toward independence and disruption in global finance.
As the fintech world buzzes with speculation over a potential partnership between Ripple and SWIFT, one XRP community expert has thrown cold water on the idea — and with compelling reasons. According to Arthur, a respected voice in the XRP ecosystem, Ripple is more focused on making SWIFT obsolete than collaborating with it.
In a recent post on X, Arthur argued that Ripple was never designed to integrate with legacy systems like SWIFT. Instead, it was built as a disruptive force — a faster, cheaper, and more transparent solution to traditional financial messaging. “Ripple doesn’t need SWIFT,” Arthur stated, especially following the firm’s acquisition of prime broker Hidden Road.
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This strategic move now gives Ripple direct access to essential financial services such as clearing, custody, and foreign exchange — services previously dominated by SWIFT-connected institutions. Arthur asserts that the Hidden Road acquisition signals Ripple’s clear intent to bypass traditional channels entirely.
He also pointed to geopolitical tensions that have increasingly politicized SWIFT, turning it into a tool for sanctions and control. Ripple’s decentralized, censorship-resistant architecture offers an alternative that resonates especially well with emerging markets seeking financial sovereignty.
Perhaps most telling, Arthur noted that traditional finance is slowly gravitating toward Ripple — not the other way around. With innovations like smart liquidity routing and tokenized real-world assets, Ripple is becoming a magnet for institutional adoption.
Still, not everyone agrees with Arthur’s take. XRP community lawyer Bill Morgan suggests a more balanced view, proposing a potential “middle road” where Ripple and SWIFT could coexist or even collaborate. According to Morgan, Ripple’s infrastructure could integrate in a way that complements, rather than competes with, SWIFT’s network.
As this debate unfolds, XRP investors are closely watching for any signs of movement — not just in strategy, but in price action. Whether Ripple chooses to join or outpace SWIFT, one thing is clear: it’s becoming a force too significant to ignore.
