Deutsche Bank Turns to Ripple (XRP) to Lead SWIFT’s Blockchain Shift

Crypto enthusiast Diana has reported that Deutsche Bank is positioning Ripple to play a leading role in SWIFT’s emerging blockchain direction.

In her post, she described the development as a significant move by one of Europe’s largest banking institutions, stating that the Frankfurt-based bank is increasingly turning to Ripple infrastructure as part of its modernization strategy.

According to the attached material shared in the post, Deutsche Bank aims to reorganize global payment transactions by integrating Ripple-related services into its operations.

The highlighted excerpt indicates that the bank intends to “take the lead in the new blockchain initiative of the industry giant SWIFT with the help of Ripple infrastructures.” The report suggests that this effort centers on modernizing foreign exchange services and multi-currency accounts while improving cross-border payment efficiency.

Diana characterized the move as a major step in the broader evolution of international payments. She emphasized that the bank’s reliance on Ripple’s systems reflects a deliberate approach to enhancing settlement speed and operational performance.

The material attached to her post explains that while the SWIFT network has long been considered reliable, it has often been criticized for slow processing times and high transaction costs in dollar- and euro-denominated transfers.

By contrast, Ripple’s distributed ledger technology enables near real-time settlement, which can improve transparency, reduce operational risk, and lower costs.

The excerpt further notes that distributed ledger solutions could reduce operational costs in global payments by as much as 30 percent. Given the scale of international transaction volumes, such reductions could represent substantial financial savings for major institutions.

Commentator Raises Liquidity and Valuation Questions

A user identified as The JOKER added a detailed comment under Diana’s post, shifting the focus toward long-term implications. The commenter argued that if Deutsche Bank is positioning around Ripple infrastructure, the development should be viewed as a structural change rather than speculative enthusiasm. According to the comment, banks typically do not experiment publicly without long-term intent.

The JOKER outlined a logical progression beginning with infrastructure adoption, leading to increased cross-border efficiency, higher liquidity demand, and eventual market repricing. The comment then posed a central question: if multiple major banks begin building on Ripple’s payment rails, at what point does liquidity associated with XRP become structurally necessary?

The commenter concluded by questioning whether a $10 price target for XRP should be considered speculation or delayed recognition, inviting serious counterarguments from the community.

Diana’s post, combined with the attached report excerpt and the subsequent commentary, centers on the proposition that institutional adoption of Ripple infrastructure by a major European bank could signal a deeper structural shift in global payments.

The discussion highlights efficiency gains, cost reductions, and the potential long-term implications for liquidity demand if adoption expands across the banking sector.

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