This could be the biggest bull run catalyst ever.

The global payments giant SWIFT – which processes over 150 trillion USD in transactions each year – has officially entered the phase of direct blockchain testing. Notably, two prominent names in this process are XRP from Ripple and HBAR from Hedera.

This is not just a technology experiment, but also a clear signal that the traditional financial system is undergoing a strong transition to blockchain and digital assets. With SWIFT's central role in international payments, any integration could create a massive surge in demand for selected coins.

Why are XRP and HBAR in SWIFT's sights?

1. Technical perspective

XRP:

HBAR:

2. Practical perspective

SWIFT is currently processing over 150 trillion USD in transactions annually, a huge figure that requires any chosen blockchain solution to ensure stability, high processing speed, and extremely low costs. These are precisely the criteria that both XRP and HBAR are capable of meeting.

In practice, XRP has proven its suitability as it has been tested by many banks and financial service providers in the international payment system, making it a natural choice for liquidity scenarios and cross-border remittances.

Meanwhile, HBAR has built its reputation thanks to a global board of directors comprising leading corporations such as Google, IBM, Boeing, Nomura, Standard Bank, Shinhan, LG, Ubisoft…, providing the reliability and business strength necessary for deployment at an organizational scale. Furthermore, both of these projects have higher legal status and transparency compared to many other altcoins, making them strong candidates for SWIFT to consider in the transition to blockchain technology.

3. Strategic perspective of SWIFT

SWIFT is not only focused on integrating crypto to speed up money transfers, but also pursuing a more comprehensive strategy.

First of all, this network needs a solution to ensure global liquidity – a problem that XRP can solve thanks to its ability to act as a bridge in cross-border transactions.

At the same time, SWIFT is also focused on building a tokenization infrastructure for traditional assets such as bonds, stocks, mutual fund certificates, CBDCs, or stablecoins, and this is precisely the area where HBAR excels with high performance and business orientation.

Most importantly, instead of allowing blockchain to threaten its dominant position in international payments, SWIFT is proactively integrating powerful networks like XRP and HBAR to strengthen its ecosystem, maintaining a central role in global finance in the digital technology era.

Potential Impact on the Market and XRP, HBAR Prices

The potential impact of this move on the market and the value of XRP and HBAR is extremely noteworthy. If only 1% of the total volume of 150 trillion USD that SWIFT processes annually is deployed on the blockchain platform, this figure would be equivalent to approximately 1.5 trillion USD – greater than the entire current market capitalization of cryptocurrencies. This means that the demand for global liquidity ( provided by XRP ) and the infrastructure ( offered by HBAR ) will increase significantly, creating long-term buying pressure on both of these assets.

In the short term, news about SWIFT testing blockchain has been enough to put XRP and HBAR on the radar of institutional investors, driving new interest and expectations. But more importantly, in the medium and long term, if SWIFT officially chooses one or even both of these coins in its deployment roadmap, this could very well become an important catalyst for the next bull run cycle in the crypto market.

Scenario for the Future

SWIFT's involvement in the blockchain field opens up various scenarios for the future of XRP and HBAR:

• XRP triumphs – If SWIFT prioritizes instant payment solutions and liquidity management, then XRP will become the central currency in the system, acting as a "bridge" for cross-border transactions. This will reinforce XRP's position as the coin directly linked to the banking and global payment industry.
• HBAR leads the way – In the event that SWIFT values scalability, enormous processing speed, and tokenization infrastructure, HBAR could become the backbone of the "new financial internet," where traditional assets and digital assets coexist and transact seamlessly on the blockchain.
• Hybrid model – This is considered the most likely scenario: XRP and HBAR coexist. XRP takes on payment and liquidity functions, while HBAR provides the platform for tokenization and enterprise governance. This combined model not only reflects the diverse needs of the global financial system but also offers greater stability and flexibility compared to reliance on a single network.

In fact, SWIFT's trial implementation of blockchain has marked an important turning point in the global financial digitization process. Whether XRP or HBAR prevails, or both are used, the common scenario remains that massive capital flows could enter the crypto market in the coming years.

For investors, this is not only a technological advancement but also a long-term strategic opportunity. If SWIFT implements blockchain on a large scale, XRP and HBAR could very well become two central assets of the global digital finance ecosystem, and their market value will grow to reflect this role.

Emma