The alliance between Swift and Consensys has unleashed a heated debate in the XRP community, visible on social networks. While some interpret it as a «deadly blow» that positions Ethereum as the undisputed king of cross -border payments, others call him FUD (fear, uncertainty and doubt). They think it is an orchestrated plan to overshadow XRP, a cryptocurrency that, according to its defenders, already resolves inefficiencies that Swift has not even tried to address.
The announcement He unstantled alarms. Some users stressed that Swift opted for a layer 2 of Ethereum developed by consensys for their ledger of bank messaging, overlooking XRP, despite years of being seen as the «Swift murderer.»
«Ripple will investigate other use cases for XRP. We are in the stage in which they begin to openly admit failure. This arrives at a critical moment in which Swift announced an association with Consensys, said cryptocurrency enthusiasts known in X as Crypto Bitlord.
However, others applaud an XRP integration with Swift through Thunes (which gives access to 11,000 banks), significantly expanding their global cross -border payments.
Thunes, who recently announced an integration with Swift, is a Fintech B2B founded in 2016 based in Singapore. Specialized in cross -border payment infrastructure, connects financial systems to 133 countries to expedite global transfers.
In the XRP community, some users directly link the departure of Joel Katz (David Schwartz) as CTO of Ripple, announced on September 30, 2025, with society between Swift and Consensys, interpreting it as a bad omen. At the same time, it is believed that the new bank network Validate Ethereum’s domain in intelligent contracts and privacy (using consensys’ zero knowledge tests). Which would leave XRPL as a «zombie ledger,» without mass institutional adoption.
In fact, some users argue that «Ethereum in Swift ends with all the XRP Ledger thesis», thanks to its native integration with Chainlink, which offers superior speed and intelligent contracts. It is said that these elements They would attract more institutional users From the first day that the XRP network in a whole decade, eliminating the need for a cumbersome «bridge» currency.
However, replicas are not waiting. «Swift in EVM (Virtual Ethereum Machine) does not kill XRP, try why it exists,» says another, since the system still drags trapped liquidity and prefinancing.
There are also those who are convinced that XRP is an immediate solution, while Swift still has much to develop. «How do you get more users from day one if it still does not exist? First, they have to create it. Then, you have to work safely for some years to show that it is sure enough. Price per transaction? What commissions will Swift add? ”Asked another member of the community.
In any case, the debate does not seem to have an end. As cryptooticia, Sal Gilbertie, CEO of Finance and ETF in Teucrium, the swift model forces banks to immobilize capital in «frozen» accounts around the world to liquidate payments.
These accounts, known as Nostro (from the issuing bank in foreign currency) and Vostro (of the counterpart), allow transactions in foreign currency without constant conversions, but tied idle resources. «If you want to send Miami money to Tokyo, banks have to have money in Tokyo and Miami,» Gilbert illustrates, making it clear that Swift still has much to develop.
Although, it is to take into account what was indicated by the Colombian bitcoiner BTC Andrés. «XRP’s dreams have been crushed by Swift.»
It emphasizes that the Swift Interbank Messenger System is online development, with pilots on the French multinational bank based in Paris Bnpparibas and the global financial services company Bank of New York Mellon.