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The global banking system stands at the crossroads of transformation. For decades, payments have moved through slow, batch-based processes. This has become inefficient in a digital economy that now demands speed, transparency, and real-time settlement offered by XRP. At SWIFT’s SIBOS 2025 conference , this long-standing tension was placed under a microscope. In a video clip shared on X by SMQKE, Celent analyst Alenka Grealish explained how blockchain-based assets like XRP and Stellar Lumens (XLM) are becoming central to the “flywheel adoption” of next-generation payment systems. The Unsustainable Divide Between Legacy and Modern Systems Grealish began by describing a fundamental problem that plagues global finance today: “If the front office is automated, there’s low latency, then you switch gears—banks operate still typically in terms of batch processing, store and forward.” She noted that “payments messaging, clearing, and settlement are often decoupled,” adding that the result is a process that “can take days.” This separation between instant digital commerce and delayed financial settlement, she said, is “an unsustainable dichotomy.” SWIFT SIBOS: “XRP AND XLM WILL PLAY A SIGNIFICANT ROLE IN THE FLYWHEEL ADOPTION OF CRYPTOCURRENCIES” XRP + XLM SWIFT knows. Listen closely. pic.twitter.com/7pPHcmW2oz — SMQKE (@SMQKEDQG) October 27, 2025 To bridge this gap, Grealish explained that a growing number of financial institutions and consortia are now “harnessing blockchain, smart contracts, and digital assets to align the performance of banking payment systems” with the instant capabilities of the digital economy. The Flywheel of Blockchain Adoption Grealish used an industrial metaphor to describe the accelerating momentum behind blockchain: “Think of the old industrial flywheels—once they start turning, there’s momentum. It’s hard to stop them.” According to her, the adoption of blockchain and digital assets has already reached the stage of feasibility and is now moving into “economic viability.” She said, “We’re seeing these use cases get into the bottom of that first turn—economic viability.” At SIBOS, this shift was reflected in several key developments: interbank payments, delivery-versus-payment (DvP) models, cross-border transactions, and even remittance systems are being re-engineered using distributed ledger technology. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 XRP, XLM, and Stablecoins: Driving the Internet of Value In one of the most striking parts of her speech, Grealish highlighted the specific digital assets playing an active role in this transformation. “We’re seeing cryptocurrencies like XRP, Stellar Lumens, stablecoins, and USDC playing an important role in getting that wheel to turn—deliver the Internet of Value .” These assets, she said, are not being viewed as speculative investments but as functional tools that enable faster, cheaper, and more transparent settlements. By acting as bridges between currencies and networks, XRP and XLM are helping banks move closer to real-time payments and seamless global liquidity. The Legitimization of Digital Assets Grealish also addressed the growing institutional acceptance of cryptocurrencies, noting that “cryptocurrencies are gaining legitimacy as a new asset class.” She explained that while Bitcoin introduced the concept of the Internet of Value, it was blockchain and distributed ledger technology that evolved into the true disruptors. With central bank digital currencies (CBDCs) now entering the conversation, she believes mainstream adoption is set to accelerate: “The introduction of central bank digital currencies will accelerate mainstreaming with digital assets.” Looking Ahead: From Experiment to Integration The takeaway from SIBOS 2025 is clear—digital asset adoption has moved beyond experimentation. Institutions are now focused on integration, liquidity management, and compliance frameworks that will allow these technologies to scale globally. SMQKE’s video of Grealish’s remarks captured this shift perfectly. The industry conversation is no longer about whether blockchain will work—it’s about which assets, systems, and partnerships will drive the next phase of financial modernization. As the flywheel gathers momentum, XRP and XLM stand at the forefront of the Internet of Value, linking traditional finance to the future of instant global settlement. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post SWIFT SIBOS: XRP and XLM Will Play a Significant Role In This Adoption appeared first on Times Tabloid .
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HYPE Approaches $59 Potential as Hyperliquid Records $25M Inflows and $20M Revenue
Hyperliquid’s HYPE token has surged 7% in the past day, reaching $47 amid $25 million weekly inflows and $20 million in revenue, positioning it as a top Layer 1 blockchain TimesTabloid
Ripple CTO David Schwartz Drops Bombshell On Escrow XRP
Ripple’s Chief Technology Officer, David Schwartz, has clarified that the company has the legal ability to sell or transfer the rights to receive XRP currently locked in its escrow accounts. His comments came in response to a community debate about how circulating supply is calculated for different cryptocurrencies. The discussion began after software engineer Vincent Van Code questioned why major crypto-tracking platforms, such as CoinMarketCap, exclude Ripple’s escrowed XRP from circulation figures while counting all Bitcoin, including those believed to be in Satoshi Nakamoto’s dormant wallets. Van Code argued that this approach creates a double standard. He noted that if CoinMarketCap excluded the one million BTC presumed to belong to Satoshi, Bitcoin’s total market capitalization would decrease by roughly 15%. In contrast, XRP’s market cap is based on about 60 billion tokens in circulation rather than the total 65 billion, which currently values the asset at $157 billion with a price of $2.62 per token instead of $170 billion. Ripple could sell the right to receive the tokens released from escrow or even sell the accounts the escrows complete into. But the XRP still can`t circulate until their release dates. — David `JoelKatz` Schwartz (@JoelKatz) October 27, 2025 Another participant responded that Bitcoin’s figures include all mined coins because, theoretically, they can be sold at any time. This raised the question of whether Ripple’s escrowed XRP could be treated the same way and if Ripple could liquidate those holdings before their scheduled release dates. Schwartz Confirms Ripple’s Legal Flexibility Addressing the issue, Schwartz confirmed that Ripple can sell or assign the rights to receive XRP that is currently locked in escrow. He clarified, however, that the XRP tokens themselves cannot be accessed or enter circulation until the monthly release schedule allows it. According to Schwartz, Ripple could sell the accounts linked to future escrow releases or the contractual rights to those tokens, but such transactions would not immediately affect XRP’s circulating supply. His explanation provided rare insight into how Ripple can legally structure agreements involving its escrowed holdings. Implications for Market Transparency Public records from XRPScan show that Ripple controls approximately 35 billion XRP in escrow, valued at around $92 billion. The existence of these holdings has long sparked debate within the XRP community about Ripple’s influence over market supply and future liquidity. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Schwartz’s statement has reignited discussions about potential institutional involvement. Some community analysts have speculated that Ripple may already have agreements in place to sell or allocate rights to parts of its escrow, particularly to major financial institutions. Others have suggested that these rights could even be used to back future partnerships or reserves involving government or private entities. Ongoing Speculation Around Ripple’s Strategy These comments follow reports about Evernorth’s plan to acquire $1 billion worth of XRP to establish an XRP reserve. Ripple expressed support for the initiative but did not specify whether the escrow holdings would be used for it. Market watcher Nietzbux suggested this might be because Ripple has already sold portions of its escrow rights to institutional buyers, although the company has made no public confirmation of such deals. Schwartz’s clarification ultimately reinforces that while Ripple cannot bypass its escrow mechanism, it retains considerable flexibility in managing the financial rights tied to those future token releases. This nuance could have important implications for how market participants interpret XRP’s supply metrics and Ripple’s long-term financial strategy. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post Ripple CTO David Schwartz Drops Bombshell On Escrow XRP appeared first on Times Tabloid . TimesTabloid
