For years, XRP holders have believed Ripple’s token could become the global bridge currency for banks and cross-border payments. But with Swift—the network that connects more than 11,000 banks worldwide—announcing a major blockchain initiative, many are asking: does this threaten XRP’s role, or actually help it? In this post, I’ll break down what Swift actually announced, why banks are leaning toward stablecoins instead of volatile cryptos, and what this means for XRP’s future.