A recent report by Vanic Assets capital management company claims that SWIFT is actively working towards bridging the gap between traditional finance (TradFI) & the blockchain. Among the only two digital assets mentioned in the report are Ripple (XRP) & Hedera Hashgraph (HBAR), two prominent altcoins majorly employed in the cross-border market.
SWIFT Unfolds XRP, HBAR Testing Schedule
Starting from November, 2025, SWIFT is launching HBAR & XRP live trials, which are both known for quick & low-cost transactions. Besides, the financial conglomerate is moving towards the transition to the ISO 20022 standard, so richness in usability is to be expected. Will price appreciation follow?
Based on capabilities, Hedera’s HBAR network can handle up to 10,000 transactions per second, while the cost is approximately $0.0001. Meanwhile, Ripple’s native XRP Ledger is able to pursue up to 1,500 transactions per second (TPS). In spite of this contrast in speed, Ripple’s XRP Ledger is far the favorite in everyday transactions, regularly topping $5 billion volume a day.
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On Hedera’s side, the odds are high as SWIFT’s Head Of Engagement Alisa DiCaprio has previously mentioned HBAR as a top SWIFT collaboration contender in a conference last year in Denver, Colorado. The current trading volumes on the HBAR network do not typically exceed $250 million, even though HBAR matches Ripple (XRP) in a huge list of TradFi partnerships.
That being said, both XRP & HBAR could complete the $5 task by capping at least 14% of SWIFT’s market, as pointed out earlier by Ripple’s CEO Brad Garlinghouse. Namely, XRP’s price hit an all-time high $3.65 three weeks ago, but got bumped below $3 along with BTC’s retracement to $111K.
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People Also Ask:
SWIFT, the global financial messaging giant, starts testing XRP and HBAR for blockchain-based cross-border payments in November 2025 to boost speed and cost-efficiency.
SWIFT handles around $155 trillion in annual transaction volume. If XRP (Ripple) or HBAR (Hedera) taps even a fraction of this via SWIFT’s ISO 20022-compliant trials, their demand could surge, potentially pushing prices toward $5.
XRP recently touched $3.65, and HBAR’s recent high peaked at $0.29. SWIFT’s trials could drive adoption, but volatility and market sentiment remain the key hurdles.
Yes, the report by Vanic Assets capital management fund & several X posts report SWIFT’s live trials for XRP and HBAR starting November 2025, focusing on tokenized currency and digital assets.
The trials are promising, but crypto’s risky. XRP’s centralized supply and HBAR’s enterprise focus could affect outcomes. Check Ciphera, CoinGecko, or SWIFT’s announcements before investing, and only risk what you can lose.
