A seismic move in crypto and traditional finance has just surfaced:
The global payments giant SWIFT is building its next-gen settlement system on Linea, a Layer-2 network on ETH — not XRP.
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✅ What This Means
Linea is now directly linked with a pilot involving 30+ major banks, including names like JPMorgan Chase & Co., HSBC Holdings plc and BNP Paribas.
The narrative that XRP is the go-to for institutional cross-border payments just took a major blow.
Ethereum’s scaling solutions are now being seen as the infrastructure backbone for real-world banking applications.
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🔍 Why Linea Won the Spot
Built on Ethereum’s ecosystem with zk-rollup architecture — high throughput, low cost, regulatory friendly.
Designed for 24/7 operations and to work alongside the existing banking messaging rails (ISO 20022 compatible).
Provides a wider “enterprise-ready” option compared to older payments narratives.
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🧐 Implications For XRP Holders
This is a clear signal shift: institutions are choosing scalable L2 infrastructure over legacy payment token narratives.
The competitive landscape for cross-border banking integration has just changed — XRP now faces stronger headwinds from Ethereum-based tech.
For those holding XRP, this development demands attention: it doesn’t necessarily mean XRP is finished, but it does suggest the narrative is evolving quickly.
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📈 Final Thought
The payments world isn’t waiting anymore.
This move highlights that crypto is no longer “future stuff” — it’s entering the heart of global infrastructure.
For investors and enthusiasts: keep an eye on infrastructure tokens (ETH, Linea) while re-evaluating narrative tokens like XRP.
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⚠️ This post is for informational and educational purposes only. It is not financial advice. Always perform your own research before investing.
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