HBAR Takes the Lead Over XRP | A Shift in Cross-Border Payments?
Edited By
David O'Reilly
At Hederacon 2025, Alisa DiCaprio from SWIFT raised eyebrows on a panel discussing cross-border payments, a field where XRP has tried to establish dominance. If SWIFT chooses to integrate technologies like Hedera, XRP’s relevance could vanish.
Is XRP Facing an Existential Threat?
A lot is at stake for XRP as the digital currency aims to replace SWIFT in processing international payments. Sources confirm that if SWIFT prioritizes faster solutions like Hedera or Quant, XRP may no longer have a purpose. This change could lead to a significant reshaping of the market.
User Opinions: Rethinking Ripple's Position
Several commenters weighed in on the issue, highlighting three key themes:
Technological Superiority: Many assert that HBAR outperforms XRP in speed, fees, and security. One commenter noted, "Hedera does it cheaper at a fixed cost in USD with unlimited scalability."
Market Relationships: Some argue Ripple's strong connections to regulators and institutions might keep XRP afloat. As another user stated, "It's not about what's better, but who you know."
Future Viability: Concerns arise as users express doubt about XRP's long-term prospects. One commenter remarked, "I think XRP has already lost the battle, but it has not retreated far enough."
"Hedera can do what XRP promised, and without the baggage of Ripple," someone remarked.
Sentiment Analysis: A Divided Community
The sentiment within the user community is mixed. While some are optimistic about HBAR, others feel XRP's relationships within the financial sector offer it a lifeline. It's clear that strong opinion divides exist, reflecting a broader debate in the market.
Key Insights
🔻 "Hedera is the next evolution of DLT; XRP is outdated."
📉 Many users consider XRP's future uncertain as alternatives emerge.
⚖️ Ripple's established presence could continue to provide a competitive edge.
In the rapidly changing world of cryptocurrency, the conversation around XRP and HBAR emphasizes the volatility and unpredictability of depending on emerging technologies for traditional financial systems. Will XRP find a way to adapt, or is its time running out?