Analyst Warns XRP Investors About SWIFT Before They Sell

Crypto commentator X Finance Bull argues that recent blockchain initiatives by SWIFT could reinforce XRP’s position within institutional finance as traditional banks scale up their use of digital currencies and tokenized assets.

In a comprehensive post on X, he linked SWIFT’s newly introduced blockchain-based ledger to financial institutions that already maintain ties with Ripple and the XRP Ledger.

He pointed out that the rising demand for interoperability, liquidity, and cross-currency payments may present new openings for XRP as the traditional financial sector pivots toward tokenization.

$XRP Holders, read this before you lose your conviction

I know how you feel, $XRP holders. Another dump, another shakeout, another wave of FUD testing our patience.

We've been through these brutal periods before, and we've also seen $XRP deliver gains of over 1,000%.

Now look… https://t.co/nbIS2NZUbQ pic.twitter.com/2eqViAGKZH

— X Finance Bull (@Xfinancebull) November 2, 2026

SWIFT Confirms Live Transactions With More Than A Dozen Banks

X Finance Bull kicked off his analysis by pointing to statements from Jack Pouderoyen, Digital Assets Product Lead at SWIFT, who noted that banks are increasingly moving toward the tokenization of deposits and other financial assets.

Pouderoyen highlighted interoperability as a critical requirement, given that individual financial institutions are building separate blockchain networks that will ultimately need to communicate with one another.

He disclosed that SWIFT has achieved major milestones since rolling out its blockchain-backed ledger roughly a year prior. Over a dozen banks have successfully executed live transactions in a production environment, with another six anticipated to join before the conclusion of the year.

X Finance Bull views this progress as significant because SWIFT is pushing blockchain applications directly into standard banking workflows. He suggests that a higher volume of interconnected financial systems will naturally elevate the need for networks capable of delivering fast settlement and asset transfers.

BNY and Standard Chartered Connect SWIFT With Ripple

The commentator singled out BNY and Standard Chartered as prime illustrations of how SWIFT’s initiatives intersect with Ripple.

BNY participates in the SWIFT blockchain program, and X Finance Bull underscored its October 27, 2026 announcement revealing that its Digital Asset Custody platform now supports XRP and RLUSD. Furthermore, BNY acts as a key reserve custodian for RLUSD.

Standard Chartered is likewise involved in SWIFT’s project and has sustained a partnership with Ripple dating back to 2016. In October 2026, the bank rolled out institutional RLUSD custody offerings on the XRP Ledger via its Dubai International Financial Centre branch. It is also collaborating with Ripple and LMAX Group on structures that use RLUSD as collateral for institutional trading.

X Finance Bull emphasizes that these partnerships are vital because they bridge traditional banking infrastructure with digital-asset trading, custody, and settlement.

Tokenized Funds Expand XRPL’s Financial Applications

The analysis also shed light on multiple ventures centered around tokenized investment vehicles.

DBS Bank and Franklin Templeton are partnering with Ripple on tokenized money-market funds alongside RLUSD. This effort incorporates Franklin Templeton’s sgBENJI fund, with planned trading support coming from the DBS Digital Exchange.

Additionally, the commentator pointed to Aviva Investors’ October 26, 2026 debut of a tokenized share class for its Sterling Liquidity Fund on the XRP Ledger, noting that the overarching fund manages roughly £22 billion.

A further instance involves CSD BR, a Brazilian financial infrastructure firm, which is teaming up with Ripple to develop tokenized shares of investment funds utilizing the XRPL Multi-Purpose Token standard.

For X Finance Bull, these milestones showcase the practical utility of the XRP Ledger in managing investment funds, representing assets, and handling digital currencies.

Why XRP’s Liquidity Function Matters

X Finance Bull maintains that XRP’s greatest value proposition rests on its capacity to serve as an intermediate bridging asset across different currencies.

The XRP Ledger features native auto-bridging capabilities, which enable XRP to intermediate currency pairs whenever an XRP-routed path presents superior liquidity.

By way of illustration, a trade involving tokenized euros and Brazilian reais could leverage XRP as a middleman asset.

He also touched upon Ripple’s partnership with C2FO via C2FO Instant Pay, which leverages the XRPL and RLUSD to grant verified suppliers access to early payouts, tying this to the broader corporate demand for streamlined liquidity management and business payments.

Nonetheless, the commentator’s core thesis hinges on actual utilization rates. The broad proliferation of tokenized assets does not automatically drive direct demand for XRP unless market makers and financial institutions actively employ the token for conversion and settlement purposes.

X Finance Bull Maintains His Long-Term Conviction

Looking ahead toward 2030, X Finance Bull anticipates that institutional settlement services, digital currencies, and tokenized securities will grow increasingly prominent. Key metrics he advises tracking include real foreign exchange settlements routed through XRP, expanded digital currency markets, and broader institutional custody offerings.

While acknowledging the widespread frustration felt by XRP holders amid falling market prices, he contends that short-term price action fails to capture the true long-term utility of the asset.

Frequently Asked Questions

What is SWIFT’s recent blockchain development?

SWIFT has advanced its blockchain-based ledger by having more than a dozen banks complete live transactions in a production-grade environment, with several additional institutions expected to join.

Which major banks connect SWIFT with Ripple?

BNY and Standard Chartered are both active participants in SWIFT’s blockchain initiative and maintain separate ties to Ripple, including support for XRP and RLUSD custody.

How does the XRP Ledger handle asset conversion?

The XRP Ledger supports native auto-bridging, allowing XRP to act as an intermediary asset to facilitate exchanges between different currencies when competitive liquidity is available.

What tokenized funds are utilizing the XRP Ledger?

Examples include Franklin Templeton’s sgBENJI fund, Aviva Investors’ Sterling Liquidity Fund tokenized share class, and initiatives by Brazilian provider CSD BR.