最新报道:By 2025, XRP has become a major SWIFT alternative in global payments, driven by institutional adoption, regulatory clarity, and technological advantages. The XRP Ledger processes transactions in under five seconds at $0.0002 per transfer, compared to SWIFT’s 3–5 days and $26–$50 fees. Ripple’s On-Demand Liquidity service handled $1.3 trillion in Q2 2025, with partners like Santander reporting 90% cost savings. Regulatory shifts, including XRP’s reclassification as a commodity and the U.S. GENIUS Act, have spurred ETF applications and stablecoin growth. Analysts project XRP could capture 14% of SWIFT’s $150 trillion volume, potentially driving its price to $10 by 2030.