Morgan Stanley Endorses Ripple as Viable SWIFT Alternative for Banks
Right now, Ripple is being seriously positioned as a proper SWIFT alternative by major financial institutions, and Morgan Stanley in particular has recently been highlighting its potential to completely revolutionize cross-border payments. The investment bank’s own analysis suggests that Ripple’s blockchain technology could actually address many of those inefficiencies that have been plaguing traditional international transactions for years now.
Remember, “Morgan Stanley
— SMQKE (@SMQKEDQG) May 1, 2025
has stated that adopting a Ripple-like payment system could "shorten settlement periods, speed up transactions and reduce the risk of fraud.”
“Morgan Stanley considers Ripple to be a leading international payment alternative to Swift.”… https://t.co/Rpmk5HOcjS pic.twitter.com/ovRTx6IYbH
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Revolutionizing Financial Transactions Through Blockchain-Powered Cross-Border Payment Solutions
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According to Morgan Stanley’s publication “Blockchain in Banking: Disruptive Threat or Tool?“ which came out last year, a “Ripple-like payment system” could significantly reduce settlement times while also lowering fraud risks.
The report specifically notes how Ripple’s distributed ledger technology essentially eliminates correspondent banking delays that currently slow down money movements between countries—sometimes taking up to 3-5 business days for no good reason.
“Adopting Ripple’s solutions could dramatically lower operational costs for banks,” the analysis states, pointing to the XRP ledger’s ability to process transactions in seconds rather than days, which is pretty impressive when you think about it.
The $120 Billion Problem We Keep Hearing About
JPMorgan had previously identified $120 billion in annual losses from inefficient cross-border payments. Multinational corporations move $23.5 trillion each year through systems that haven’t seen proper updates since the 1970s. Their research found several key issues:
- SWIFT still depends entirely on legacy correspondent banking (which is crazy in 2025).
- CLS Group only supports 18 currencies despite claiming to be global.
- Ripple’s real-time infrastructure shows real promise but still faces crypto volatility concerns.
Also Read: Ethereum Prediction: AI Sets ETH Price For Mid-May 2025
Institutional Validation Slowly But Surely Grows
Transformation – Source: Bu.Edu
The Boston University Review of Banking & Financial Law (Vol. 36) recently republished Morgan Stanley’s assessment, giving academic weight to Ripple’s growing credibility in financial circles. While SWIFT processes remain dominant for now, over 25% of global GDP currently moves through systems that Morgan Stanley considers ripe for disruption—and that percentage is only growing year after year.
When it comes to cryptocurrency some of more ‘tradiitional’ players are still uncomfortable with volatility, which is the antithesis to what they seek most. Still, with Ripple now actively building its SWIFT competators, and many of the world’s largest banks only revisiting blockchain technology over the past few years, the pressure on these incumbents is increasing faster than could have been expected even two or three years prior.
Also Read: DogWifHat (WIF) & Bonk (BONK) Price Prediction For Mid May 2025
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Morgan Stanley Endorses Ripple as Viable SWIFT Alternative for Banks
Right now, Ripple is being seriously positioned as a proper SWIFT alternative by major financial institutions, and Morgan Stanley in particular has recently been highlighting its potential to completely revolutionize cross-border payments. The investment bank’s own analysis suggests that Ripple’s blockchain technology could actually address many of those inefficiencies that have been plaguing traditional international transactions for years now.
Remember, “Morgan Stanley
— SMQKE (@SMQKEDQG) May 1, 2025
has stated that adopting a Ripple-like payment system could "shorten settlement periods, speed up transactions and reduce the risk of fraud.”
“Morgan Stanley considers Ripple to be a leading international payment alternative to Swift.”
Also Read: Top 3 Cryptocurrencies You Could Watch This Weekend
Revolutionizing Financial Transactions Through Blockchain-Powered Cross-Border Payment Solutions
Banking Giant Finally Sees Clear Advantages
Transformation – Source: Bu.Edu
According to Morgan Stanley’s publication “Blockchain in Banking: Disruptive Threat or Tool?“ which came out last year, a “Ripple-like payment system” could significantly reduce settlement times while also lowering fraud risks.
The report specifically notes how Ripple’s distributed ledger technology essentially eliminates correspondent banking delays that currently slow down money movements between countries—sometimes taking up to 3-5 business days for no good reason.
“Adopting Ripple’s solutions could dramatically lower operational costs for banks,” the analysis states, pointing to the XRP ledger’s ability to process transactions in seconds rather than days, which is pretty impressive when you think about it.
The $120 Billion Problem We Keep Hearing About
JPMorgan had previously identified $120 billion in annual losses from inefficient cross-border payments. Multinational corporations move $23.5 trillion each year through systems that haven’t seen proper updates since the 1970s. Their research found several key issues:
- SWIFT still depends entirely on legacy correspondent banking (which is crazy in 2025).
- CLS Group only supports 18 currencies despite claiming to be global.
- Ripple’s real-time infrastructure shows real promise but still faces crypto volatility concerns.
Also Read: Ethereum Prediction: AI Sets ETH Price For Mid-May 2025
Institutional Validation Slowly But Surely Grows
Transformation – Source: Bu.Edu
The Boston University Review of Banking & Financial Law (Vol. 36) recently republished Morgan Stanley’s assessment, giving academic weight to Ripple’s growing credibility in financial circles. While SWIFT processes remain dominant for now, over 25% of global GDP currently moves through systems that Morgan Stanley considers ripe for disruption—and that percentage is only growing year after year.
When it comes to cryptocurrency some of more ‘tradiitional’ players are still uncomfortable with volatility, which is the antithesis to what they seek most. Still, with Ripple now actively building its SWIFT competators, and many of the world’s largest banks only revisiting blockchain technology over the past few years, the pressure on these incumbents is increasing faster than could have been expected even two or three years prior.
Also Read: DogWifHat (WIF) & Bonk (BONK) Price Prediction For Mid May 2025
Читать больше
Ripple Announces $25M Pledge to US Classrooms & Teachers