Crypto researcher SMQKE recently shared a post comparing SWIFT GPI to Ripple Payments. The tweet captioned a video in which a speaker outlined the contrasts between SWIFT’s Global Payments Innovation (GPI) service and Ripple’s blockchain-based payment technology. The commentary assessed the strengths and limitations of both systems, focusing on infrastructure, processing speed, adoption levels, and industry influence. SWIFT GPI vs Ripple Payments. Watch. pic.twitter.com/QLmCf21YNN — SMQKE (@SMQKEDQG) September 7, 2025 Ripple’s Impact on SWIFT’s Evolution The video began with the assertion that Ripple has acted as a direct alternative to SWIFT, describing Ripple as “a new technology.” According to the speaker, Ripple’s entry into the payments space has forced SWIFT to adapt and modernize its infrastructure. He stated that Ripple “has forced SWIFT to improve payment processing standards, which have previously been ignored or taken for granted by SWIFT.” This highlighted how Ripple’s innovation has accelerated progress within the cross-border payment industry. The video emphasized that Ripple approaches payment processing challenges with different methods, specifically through blockchain and the Interledger Protocol (ILP). By contrast, SWIFT’s updates through GPI still rely on its longstanding infrastructure, which the speaker described as less disruptive compared to blockchain solutions. Infrastructure and Technology Differences A key section of the video addressed the technological gap between the two systems. SWIFT’s GPI tracker provides visibility in cross-border payments but still depends on existing, decades-old infrastructure. Ripple, meanwhile, is built on blockchain technology, which offers advantages in transparency and security. The speaker noted, however, that blockchain remains unproven at scale, particularly in terms of the framework’s capacity to support global financial traffic. Processing Speed and Payment Finality One of the most significant contrasts highlighted was in transaction speed. According to the analysis, SWIFT GPI can deliver payments within a window of 30 minutes to 24 hours. Ripple’s system, by comparison, confirms payment finality within seconds . The speaker described this as a “huge difference in terms of the processing time,” framing Ripple’s settlement efficiency as a major technical advantage over SWIFT. Adoption and Network Reach Despite Ripple’s strengths in speed and innovation, the video highlighted that SWIFT continues to lead in global adoption. With a network of over 11,000 financial institutions , SWIFT retains unmatched reach in the payments industry. The speaker explained that while Ripple has secured partnerships, its adoption remains limited, citing that around 45 financial institutions currently have Ripple’s system in place. This disparity highlights a central issue: Ripple’s technology demonstrates efficiency advantages, but SWIFT’s established global infrastructure provides it with a significant lead in real-world applications and integration across the financial system. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 SMQKE’s tweet and the accompanying video highlighted the contrasting characteristics of SWIFT GPI and Ripple payments. Ripple’s blockchain-based model offers faster settlement times and a modern technological framework, but it faces challenges in scalability and adoption. SWIFT, while slower, maintains dominance through its extensive global network and recent improvements to its payment systems. The video suggested that Ripple’s innovation has played a role in driving SWIFT to upgrade its services, presenting a competitive dynamic that continues to shape the future of cross-border payments. 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 advised to conduct thorough 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 SWIFT GPI vs Ripple Payments: XRP Army Needs to See This appeared first on Times Tabloid .
