XRP and SWIFT+Linea are intensifying their competition in the cross-border payments sector, each bringing unique strengths to the table. XRP is recognized for its rapid transaction settlement time of just 3 seconds and claims to reduce remittance costs by up to 70%. Meanwhile, SWIFT+Linea, utilizing Ethereum's Layer 2 solution Linea, emphasizes scalability and privacy, connecting over 11,000 financial institutions globally. SWIFT's integration of blockchain technology through Linea represents a significant move that could challenge Ripple's established position in the payments industry. As both entities continue to innovate, the landscape of cross-border transactions is poised for transformation, with efficiency and connectivity at the forefront of this evolving battle.