Crypto commentator Austin Hilton recently discussed what he called a “war raging on” around XRP, describing it as the ongoing competition between Ripple and the SWIFT network. In his video, Hilton explained how this rivalry could shape the future of global payments and impact XRP holders directly. Hilton noted that SWIFT has dominated international money transfers for decades, connecting thousands of financial institutions worldwide. However, he described it as outdated, slow, and inefficient compared to blockchain solutions. Ripple, he explained, offers a modern alternative through its blockchain network that uses XRP for real-time cross-border payments. This technology reduces settlement times from days to seconds , bypassing many of the friction points in traditional banking. Are you an XRP holder? There is a war raging on around XRP – how it impacts you! pic.twitter.com/ScNRIRRUD7 — Austin Hilton (@austinahilton) October 6, 2025 Ripple’s Position and Advantage Hilton pointed out that Ripple’s network and the XRP Ledger have positioned the company as a serious challenger to SWIFT’s dominance. Ripple’s system enables faster, cheaper, and more transparent payments, and it continues to gain attention from global banks and financial firms. He referenced Ripple CEO Brad Garlinghouse’s comments suggesting Ripple could capture 14–15% of SWIFT’s massive market share over time. Hilton clarified that Ripple is unlikely to replace SWIFT entirely but is steadily taking a meaningful portion of the global payments market. He highlighted Ripple’s consistent development of new infrastructure, including custody services and stablecoin initiatives, as proof of its growing influence in financial technology. SWIFT’s Late Response Hilton also addressed SWIFT’s recent announcement of plans to integrate blockchain technology using Linea, a layer-two solution built on Ethereum. The move includes exploring smart contracts and stablecoin functions. He argued that this step is less a breakthrough and more a marketing strategy to reassure clients that SWIFT is adapting. Citing Garlinghouse’s view, Hilton said SWIFT’s announcement shows it is trying to catch up with the blockchain transition Ripple has been building toward for over a decade. He believes SWIFT’s lack of visible innovation has left it behind, while Ripple continues to lead with active real-world use cases and tested blockchain applications. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Impact on XRP Holders Hilton connected this competition to XRP’s future. As Ripple’s technology becomes more widely used, he expects the demand for XRP to grow due to its essential role in Ripple’s payment ecosystem. Hilton added that the SEC’s lawsuit against Ripple may have been intended to delay its progress, benefiting traditional financial systems like SWIFT. Despite that, Ripple has maintained its growth and expanded globally. Hilton concluded that Ripple will not completely replace SWIFT but will continue to capture market share as the global financial system shifts toward blockchain technology. 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 Pundit: Are You An XRP Holder? Here’s How This Raging War Impacts You appeared first on Times Tabloid .
