Everyone Is WRONG About Ripple & XRP Replacing SWIFT (PLEASE LISTEN)

Crypto Market Legitimacy & Adoption - The crypto market is becoming increasingly legitimate, with 2025 seen as a pivotal year for mainstream recognition [1][2][3] - Stablecoin adoption is surging, exceeding $300 billion in market cap and representing over 1% of the M1 supply [4][5] - Stablecoin holders are approaching 200 million, indicating rapid adoption, with nearly 100 million new holders added in roughly 9 months of 2024 [7][8] - Major companies like Google are supporting stablecoins, integrating them into AI applications, signaling the convergence of TradFi/Web2 and Web3/DeFi [10][11] Ripple & Cross-Border Payments - Ripple is expanding its stablecoin offerings and network, attracting institutional interest and demand [19] - Thunes, a global payment platform, has partnered with Ripple and expanded into Saudi Arabia to roll out real-time cross-border payments [12][13] - Thunes' network includes 133 countries, 80 currencies, 4 billion bank accounts, 3 billion mobile wallet accounts, and 1.1 billion cards [15] - Swift confirms it will not generate digital assets, positioning its network to support assets like XRP instead of competing [30] Stablecoin Transaction Volume & Future Trends - Stablecoins are experiencing significant monthly transfer volumes, averaging $2 to $3 trillion, with peaks reaching nearly $4 trillion in December [17] - Ripple's XRP could potentially process 14% of Swift's global volume, estimated at $150 trillion annually, translating to $21 trillion yearly volume flowing through the XRP ledger [26][27][28] - ISO 20022 is identified as a key enabler for bridging traditional and decentralized finance, improving data and mandating the adoption of new technologies for efficient cross-border payments [35][36][37][38] - A Standard Chartered executive stated that ISO 20022 can be used to bridge between traditional and decentralized finance [37]