SWIFT's recent collaboration with ConsenSys to develop a blockchain prototype underscores the growing recognition of blockchain technology in global finance. However, according to analyst Pumpius, this move is a temporary solution that does not fully address the limitations of traditional financial systems. In contrast, XRP is positioned as a more effective alternative due to its speed, low transaction costs, and regulatory compliance. Ripple's infrastructure, which includes partnerships with over 100 financial institutions and compliance tools like the DNA Protocol, strengthens XRP's potential as a cross-border payment solution. The analyst suggests that XRP's advantages over Ethereum and SWIFT's experimental blockchain solution make it an inevitable choice for future financial transactions.