Versan Aljarrah, co-founder of Black Swan Capitalist, has made a definitive statement on the future of international finance. According to Aljarrah, “SWIFT is dead,” believing XRP, which many see as a viable successor, has already taken its place. He wrote, “XRP is the new Swift, they just haven’t admitted it yet.” SWIFT is dead. XRP is the new Swift they just haven't admitted it yet. Headlines will catch up but the system already knows. Either they adopt the tech or get left behind. Because #XRP actually breaks the system and there's nothing they can do about it. pic.twitter.com/NvJrvLXbzH — Versan | Black Swan Capitalist (@VersanAljarrah) May 15, 2025 This assertion reflects a growing belief among cryptocurrency advocates and select financial analysts that XRP is not merely a competitor to SWIFT but its eventual replacement . The sentiment is reinforced by institutional interest in Ripple’s technology and the documented inefficiencies of legacy systems. Institutional Shifts and Industry Readiness Aljarrah shared an image revealing that major financial players know the blockchain’s transformative potential and are actively investing in its development. Institutions such as Deutsche Bank, Goldman Sachs, Credit Suisse, and JP Morgan have already aligned themselves with blockchain standardization efforts. However, none of these banks will likely independently build or control a standardized blockchain network. This opens space for Ripple, which specializes in financial services-focused blockchain infrastructure. The image mentions Ripple alongside SWIFT and Bolero as players well-positioned for the evolving trade finance landscape. It acknowledges that companies like Ripple could also play major roles as blockchain adoption grows, though it projects that widespread adoption remains five or more years away. XRP as a Structural Disruptor What differentiates XRP from traditional systems like SWIFT is its ability to function beyond a messaging layer. XRP enables real-time settlement of cross-border payments, potentially removing the need for correspondent banking relationships entirely. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 Aljarrah noted that XRP “breaks the system,” highlighting its capacity to disrupt long-standing financial processes. From this perspective, legacy institutions’ resistance is not rooted in technological viability, but in preserving control. The infrastructure underpinning SWIFT is increasingly seen as inadequate for the demands of modern financial activity. Ripple’s CEO, Brad Garlinghouse, has called the legacy system outdated , and XRP offers speed, cost-efficiency, and transparency. Implications for Banks The image warns that banks must keep innovating or risk irrelevance. It emphasizes the importance of end-to-end platforms and operational enablers, arguing that innovation is not about cost-cutting but about staying relevant in a rapidly evolving landscape. As Aljarrah stated, “Either they adopt the tech or get left behind.” Bank of America, a key Ripple partner, has revealed its readiness to adopt crypto payments as more banks move toward the future with blockchain integration. XRP, with its numerous advantages, is best positioned to capitalize on this shift and grow. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post Macro Analyst Believes XRP Will Unseat SWIFT Whether Adopted or Not. Here’s why appeared first on Times Tabloid .