Banks Invest $100B in Blockchain as Ripple Targets $155T SWIFT Market

Ripple is advancing its position in the global financial landscape as banks increasingly adopt blockchain technology to modernize cross-border payment systems. According to a Ripple-backed report, institutions have invested more than $100 billion in blockchain infrastructure since 2020. By 2025, 345 banks—including HSBC, Goldman Sachs, and SBI Holdings—have integrated blockchain into their operations [1].

HSBC is using blockchain to digitize gold trading, while SBI Holdings is developing a quantum-resistant digital currency. These initiatives highlight a broader trend in which blockchain is moving from experimental status to core infrastructure within major financial institutions. A survey cited in the report also notes that 90% of financial executives expect blockchain to play a major role by 2028 [1].

Ripple’s strategy extends beyond the XRP Ledger (XRPL) to include the pursuit of a U.S. banking license, a move that would allow the company to operate more directly within the regulated financial system. XRPL is being positioned as a viable alternative to SWIFT, particularly due to its speed, compliance features, and scalability. These characteristics align with the growing demand for real-time settlements and programmable money [1].

Stablecoins, which are digital assets pegged to fiat currencies, are central to Ripple’s approach. The company is leveraging the anticipated growth of the stablecoin market, which is expected to expand tenfold between 2024 and 2025. This development supports Ripple’s ambitions in both payment processing and liquidity provisioning, particularly through the use of assets like USDT and USDC [1].

According to a joint report including CB Insights, over 90% of financial leaders now regard blockchain and digital assets as essential to the evolving financial landscape. This institutional consensus positions Ripple’s technology as a potential cornerstone for next-generation payment systems [1].

The $100 billion in institutional investments reflects a major transformation in the financial industry, with regulated, scalable blockchain systems gaining traction. Ripple’s inclusion among the top 25 most valuable private technology firms, alongside companies like Discord and Canva, underscores the growing credibility and value attributed to blockchain innovation [1].

As banks continue to modernize their infrastructure and regulatory environments evolve, Ripple is emerging as a strong contender in the shift from traditional cross-border payment systems. With a strategic focus on institutional adoption and real-time settlements, the company is well-positioned to capture a meaningful share of the $155 trillion market currently dominated by SWIFT [1].

Sources:

[1] Times Tabloid – https://timestabloid.com/ripple-xrp-targets-swifts-155t-market-as-banks-invest-100b-in-crypto-integration/

[2] DailyCoin – https://dailycoin.com/

[3] DailyCoin – https://dailycoin.com/are-hbar-bulls-still-eyeing-1-80-amid-hedera-etf-delays/