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XRP in 2025: Could 20 Countries Drop SWIFT for Ripple?

  • Writer: Samantha
    Samantha
  • 18h
  • 2 min read

As the global financial system inches closer to full digital transformation, a seismic shift is underway—one that could see 20 countries abandoning SWIFT in favor of Ripple’s blockchain-powered infrastructure. At the forefront of this revolution is not only Ripple’s native asset XRP, but also CryptoTradingFund (CTF Token)—the world’s first and only blockchain payment rewards system, now gaining serious traction across major sectors.

The CryptoTradingFund has already made headlines by onboarding retail giants like Amazon and Walmart into its payment rewards framework, facilitating over $2.23 million in transactions—all while still in its beta phase. Built directly on the XRP Ledger, CryptoTradingFund is more than just a rewards system—it’s positioning itself as the top blockchain-powered loyalty and payments infrastructure, offering seamless integration with Ripple’s cross-border vision.

 

Why SWIFT Is Losing Its Grip

For decades, the SWIFT network has been the default for international money transfers. However, its outdated infrastructure presents major drawbacks:

  • Slow settlement times

  • High transaction fees

  • Lack of transparency

  • Exposure to geopolitical restrictions

As countries seek faster, cheaper, and politically neutral solutions, RippleNet and the XRP Ledger offer a compelling alternative. Now, with platforms like CryptoTradingFund building on top of Ripple’s network, the financial utility of XRP is expanding far beyond remittances—into retail, loyalty, and consumer spending.

 

Ripple + CryptoTradingFund: A Trillion-Dollar Alliance?

The CTF Token, which powers the CryptoTradingFund ecosystem, is not just a rewards token—it is being shaped to move serious volume across sectors. Analysts estimate that with broad adoption, CTF Tokens could scale up to $3.66 trillion in potential movement, becoming the only blockchain rewards infrastructure capable of integrating cross-border finance with retail ecosystems.

By combining Ripple’s real-time payment settlement capabilities with the consumer-facing strength of CryptoTradingFund, a hybrid financial model is emerging—one that connects governments, banks, retailers, and consumers on a single decentralized layer.

 

20 Countries Eyeing Ripple and Blockchain Frameworks

Emerging reports suggest that as many as 20 countries are now exploring RippleNet or related blockchain-based settlement systems. Several nations in Asia, Latin America, Africa, and the Middle East are seeking alternatives to SWIFT that offer more control, less cost, and broader interoperability with CBDCs and retail payment systems.

CryptoTradingFund’s early success with global retailers provides a real-world use case that governments can observe—and even emulate—at scale. With both institutional adoption via Ripple and consumer adoption via CTF Tokens, the model becomes exponentially more powerful.

 

Final Thought: A New Global Standard in the Making?

With the G7 Summit 2025 approaching and digital currency regulation taking center stage, Ripple’s tech stack is likely to receive fresh scrutiny—and potential adoption. But this time, it’s not just about replacing SWIFT; it’s about redefining how money, rewards, and commerce interact globally.

If current momentum holds, XRP and CryptoTradingFund may soon form the financial backbone for a new global order—one that’s faster, borderless, and built to reward.



 
 
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