SWIFT Blockchain Test: XRP and HBAR Stand Before a Golden Opportunity to Dominate Global Finance

SWIFT, the global payments giant – processing over 150 trillion USD in transactions each year – has officially entered the phase of live blockchain testing. Notably, two prominent names in this process are XRP from Ripple and HBAR from Hedera. This is not just a technology experiment, but also a clear signal that the traditional financial system is strongly transitioning to blockchain and digital assets. With SWIFT's central role in international payments, any integration could create a massive surge in demand for selected coins. Why have XRP and HBAR caught the attention of SWIFT?

1. Technical Angle XRP: Designed specifically for cross-border payments. Processing transactions in just 3-5 seconds, with extremely low fees. Solving the liquidity problem – the largest bottleneck in international payments today. The RippleNet system already has banking and PSP partners such as (Santander, SBI, Tranglo), making it easy for SWIFT to verify in a real-world environment. HBAR: Has an extremely high throughput of ( 10,000+ TPS, can scale through sharding ). The best energy efficiency among leading blockchains ( carbon-negative ). Uses aBFT + Hashgraph consensus mechanism, which is both fast and secure. Suitable for asset tokenization scenarios, data management, and large-scale enterprise transactions – the piece that SWIFT is targeting when talking about "tokenized assets".

2. Practical Angle SWIFT is currently processing over 150 trillion USD in transactions each year, a huge figure that requires any chosen blockchain solution to ensure stability, high processing speed, and extremely low costs. These are the criteria that both XRP and HBAR are capable of meeting. In practice, XRP has proven its suitability as it has been tested by many banks and financial service providers in international payment systems, making it a natural choice for liquidity scenarios and cross-border remittances. Meanwhile, HBAR builds its reputation through a global board of directors comprised of leading corporations such as Google, IBM, Boeing, Nomura, Standard Bank, Shinhan, LG, Ubisoft..., providing the reliability and business strength necessary for organizational deployment. Furthermore, both of these projects have higher legal standing and transparency compared to many other altcoins, making them strong candidates for SWIFT to consider in the transition to blockchain technology.

3. Strategic Angle of SWIFT SWIFT is not only focused on integrating crypto to speed up money transfers but is also pursuing a more comprehensive strategy. First of all, this network needs a solution to ensure global liquidity – an issue that XRP can address thanks to its ability to act as a bridge in cross-border transactions. At the same time, SWIFT is also aiming to build a tokenization infrastructure for traditional assets such as bonds, stocks, fund certificates, CBDC, or stablecoins, and this is precisely the area where HBAR demonstrates superiority with high performance and enterprise orientation. Most importantly, instead of allowing blockchain to threaten its dominant position in international payments, SWIFT is proactively integrating powerful networks like XRP and HBAR to strengthen its ecosystem, maintaining its central role in global finance in the digital technology era. Potential Impact on the Market and Price of XRP, HBAR The potential impact of this move on the market and the value of XRP and HBAR is incredibly noteworthy. If just 1% of the total volume of 150 trillion USD that SWIFT processes annually were to be deployed on a blockchain platform, this figure would already be equivalent to about 1.5 trillion USD – larger than the entire current cryptocurrency market capitalization. This means that the demand for global liquidity provided by XRP and the technical infrastructure offered by HBAR will increase significantly, creating long-term buying pressure for both of these assets. In the short term, the news about SWIFT testing blockchain has been enough to put XRP and HBAR on the radar of institutional investors, boosting interest and new expectations. But more importantly, in the medium and long term, if SWIFT officially chooses one or even both of these coins in its implementation roadmap, this could entirely become an important catalyst for the next bull run in the crypto market. Script for the Future SWIFT's involvement in the blockchain field opens up many different scenarios for the future of XRP and HBAR: XRP prevails – If SWIFT prioritizes instant payment solutions and liquidity management, XRP will become the central currency in the system, serving as a "bridge" for cross-border transactions. This will reinforce XRP's position as a coin directly tied to the banking and global payment industry. HBAR leads – In the case that SWIFT values scalability, massive processing speed, and tokenization infrastructure, HBAR could become the backbone platform for the "new financial internet," where traditional and digital assets coexist, trading seamlessly on the blockchain. Hybrid model – This is seen as the most likely scenario: XRP and HBAR coexist. XRP handles payment and liquidity functions, while HBAR provides the tokenization platform and enterprise governance. This combined model not only reflects the diverse needs of the global financial system but also offers greater stability and flexibility compared to relying on a single network. In fact, SWIFT's experimental implementation of blockchain has marked an important turning point in the process of global financial digitization. Whether XRP or HBAR dominates, or both are applied, the overall scenario remains that huge capital flows could enter the crypto market in the coming years. For investors, this is not only a technological advancement but also a long-term strategic opportunity. If SWIFT implements blockchain on a large scale, XRP and HBAR could very well become two central assets of the global digital finance landscape, and their market value will grow to reflect this role.