2026-01-07 00:25:17

The convergence of distributed ledger technology with established financial infrastructure is worth examining closely.

SWIFT already operates within a mature governance structure and regulatory framework that underpins global settlements. The real opportunity lies in optimizing this infrastructure network through DLT innovation—making cross-border transactions faster and more efficient without dismantling existing systems.

Instead of replacing legacy networks, the path forward appears to be integration. Layer existing protocols onto proven institutional frameworks. That approach reduces adoption friction while preserving the regulatory oversight that financial institutions depend on.

Ripple's positioning around this convergence highlights a broader trend: blockchain technology becoming infrastructure enhancement rather than disruption.

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IfIWereOnChain

· 01-10 00:04

Well... that's right. Instead of fantasizing about a complete overthrow, it's better to think about how to implement it practically. The path of integration is more realistic than radical revolution. Wait, can Ripple's approach really seamlessly connect with SWIFT? I'm a bit skeptical. I agree with this idea, but execution is the real devil. People always think about revolution, but where the money is, the rules have to be there too. In the end, we still have to obediently accept regulation. Then what's the point of DLT... Honestly, it's just a packaging upgrade, not a real game changer. Enhancement rather than overthrow... sounds good, but it all depends on who can truly grasp the opportunities here.

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DAOdreamer

· 01-09 11:22

You're right, integration is the way to go. Instead of shouting revolution every day, it's better to think about how to make both old money and crypto comfortable—that's true skill. --- The SWIFT system indeed can't be said to be bad; the key is to make it run faster. If DLT is used correctly, it can indeed reduce costs and improve efficiency, without the need to completely overhaul it. --- It sounds very idealistic... but how will it actually progress? Can regulators really keep up quickly? --- It's a bit like putting a band-aid on a wound; patching it up repeatedly will eventually need a complete overhaul, right? --- Ripple's move was quite good; at least it wasn't dismissed as heresy. Gradual integration is indeed much less risky than radical revolution. --- It's the same old story—tired of hearing about overlay protocols and reducing resistance... The real issue is who holds the pricing power.

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BlockchainArchaeologist

· 01-07 00:55

To be honest, I've been looking at this approach for a while... Integration rather than revolution sounds safe but a bit too conservative. The SWIFT system is indeed deeply rooted, but the question is, can DLT really only serve as an auxiliary tool? It feels like we're still compromising for the vested interests. Ripple's story is quite impressive, but I want to see how quickly it can actually be implemented... Can't wait for a slow and gradual process.

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BlockTalk

· 01-07 00:53

That's right, integration is the way out. Don't keep dreaming about overthrowing the financial system—it's just nonsense. --- The SWIFT system indeed can't be bypassed. Instead of fighting against it, it's better to think about how to make them cooperate... --- Hmm, Ripple's positioning is quite clear this time, much more reliable than those projects that always talk about revolution. --- Integration > replacement. There's nothing wrong with this logic. If the regulatory hurdle can't be cleared, everything else is pointless. --- The key is to reduce adoption resistance; otherwise, no matter how good the technology is, it won't enter the traditional financial sector.

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GasFeeLover

· 01-07 00:50

Well said, this is true realism. Instead of shouting about overthrowing everything, it's better to think about how to embed new technology, which is actually easier to implement. Just wondering how the SWIFT folks will react... Integration is possible, but can it really be fast? We've been talking about this for so many years. I believe in blockchain as infrastructure enhancement, but the key is still whether someone is willing to pay. Ripple's approach indeed plays it smart. It would be even better if we could also optimize the gas fee.

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GateUser-5854de8b

· 01-07 00:42

Uh... after saying so much, it still depends on traditional financial players giving the nod. Is Web3 really that revolutionary? Integration sounds good, but the reality is whoever holds the discourse power makes the rules. I'm already tired of Ripple's tricks, still flirting with central banks to deal with compliance... what's the point of that? DLT optimizing SWIFT? Feels like just putting new wine in old bottles. Not dismantling the existing system = forever constrained by the existing system, understand?

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token_therapist

· 01-07 00:41

That's quite realistic, but this set of logic still sounds a bit idealistic. Do those SWIFT folks really know how to make DLT obediently "enhance" their systems? Breaking the利益格局 is easier said than done.

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