Global payments giant SWIFT has officially begun live blockchain trials, with XRP and HBAR emerging as two of the primary assets under consideration. This development has sent waves across the crypto market, as both projects now stand at the center of a transformation that could reshape cross-border payments and tokenised asset transfers.
For investors, the implications go beyond technology. SWIFT processes over $150 trillion annually, and even a fraction of that volume routed through blockchain networks could trigger massive demand for digital assets like XRP and HBAR. XRP’s strength in instant settlement and liquidity management makes it a natural fit for banks, while HBAR’s high throughput and enterprise governance align with large-scale tokenisation needs.
With both assets now tied to SWIFT’s roadmap, traders are asking: could this be the catalyst for the next major price surge in XRP and HBAR?
As SWIFT accelerates its shift toward blockchain-enabled financial messaging, two assets consistently emerge in the spotlight: XRP (Ripple) and HBAR (Hedera). Both offer speed, scalability, and cost-efficiency, but their design philosophies and strengths differ, making them potentially complementary rather than direct rivals.
| Feature | XRP (Ripple) | HBAR (Hedera) |
| Settlement Speed | 3–5 seconds | ~3 seconds with finality |
| Consensus | Ripple Protocol Consensus (RPCA) | Hashgraph Gossip + Virtual Voting (aBFT) |
| Throughput (TPS) | ~1,500 TPS | 10,000+ TPS (scalable via sharding) |
| Governance | Validator list (UNL), Ripple-linked partners | 39-member Governing Council (Google, IBM) |
| Energy Efficiency | ~0.0079 kWh/tx | ~0.000003 kWh/tx (carbon negative) |
| Main Use Case | Cross-border payments, remittances | Tokenisation, enterprise-grade applications |
Adoption | Banks, payment providers (Santander, SBI) | Corporations, tech giants (Google, Boeing) |
XRP is built for global payments, offering fast settlement and liquidity solutions that align with banking needs. HBAR is designed for enterprise-scale tokenisation, with unmatched throughput, carbon-negative operations, and strong governance. Together, they could form a dual solution: XRP for liquidity and payments and HBAR for tokenised assets and enterprise rails.
As SWIFT’s digital asset trials progress, both XRP and HBAR have carved out unique strengths—XRP as a liquidity bridge for global payments and HBAR as the scalable backbone for tokenised economies. The real impact, however, may be felt in their prices. If even a portion of SWIFT’s $150 trillion ecosystem flows through these networks, demand could drive significant upside. Rather than a single winner, the future may see both XRP price and HBAR price thriving together—fueling speculation that this integration could mark the start of their next major bull run.
CoinPedia has been delivering accurate and timely cryptocurrency and blockchain updates since 2017. All content is created by our expert panel of analysts and journalists, following strict Editorial Guidelines based on E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness). Every article is fact-checked against reputable sources to ensure accuracy, transparency, and reliability. Our review policy guarantees unbiased evaluations when recommending exchanges, platforms, or tools. We strive to provide timely updates about everything crypto & blockchain, right from startups to industry majors.
All opinions and insights shared represent the author's own views on current market conditions. Please do your own research before making investment decisions. Neither the writer nor the publication assumes responsibility for your financial choices.
Sponsored content and affiliate links may appear on our site. Advertisements are marked clearly, and our editorial content remains entirely independent from our ad partners.
Bitcoin has confirmed a breakout above $111,000, showing strength after several weeks of sideways movement.…
President Donald Trump’s choice of Mike Selig to lead the U.S. Commodity Futures Trading Commission…
For years, XRP has lived in the shadow of Bitcoin and Ethereum, often labeled the…
Clearly, current market conditions are gloomy and bearish, marked by a significant downturn in the…
The crypto market is showing signs of a potential rebound as key indicators start to…
The Ethereum price prediction 2025 narrative is becoming increasingly bullish as 2026 is only a…
