Ripple Payment System Leads Institutional Inflows… Is the SWIFT Era Ending?

▲ XRP (XRP), Payments/AI-Generated Image

Despite increasing volatility in the global cryptocurrency market, institutional investors are aggressively accumulating assets in preparation for the next bull cycle, leveraging Ripple’s innovative remittance network to move capital.

In an interview with cryptocurrency-focused YouTube channel Paul Barron Network on February 17, Jake Boyle, Chief Commercial Officer at Caleb & Brown, stated that the adoption of Ripple Payments, XRP’s payment solution, has dramatically accelerated the inflow of institutional funds. Boyle explained that the high fees and slow transfer speeds of the traditional SWIFT system had previously hindered institutional market participation, but Ripple’s technology has resolved these issues and transformed the paradigm of capital movement. In particular, the ability to complete transfers worth tens of thousands of dollars within minutes has significantly enhanced satisfaction among high-net-worth individuals.

Boyle noted that even amid current downward market pressure, well-informed investors and high-net-worth individuals view the situation as an opportunity to purchase XRP and Bitcoin (BTC) at discounted prices. XRP, serving as a bridge currency for Ripple Payments, has demonstrated tangible utility and has become a core portfolio asset for whales who favor long-term holdings. Boyle emphasized that investment decisions based on data and technological value—rather than fear during downturns—are key to maximizing returns, adding that large investors are increasing their asset holdings during price corrections.

Changes in the regulatory environment were also identified as a major market focus. Boyle estimated a 60% to 70% probability that the cryptocurrency market structure bill, known as CLARITY, will pass in the spring of 2026. Once regulatory clarity is secured, institutional capital deployment is expected to accelerate. He added that whether stablecoin yields are permitted will serve as a watershed moment for the growth of the decentralized finance ecosystem. While lobbying from the banking sector remains a variable, establishing clear regulations is viewed as an essential step toward market maturity.

Boyle also praised the technical robustness of decentralized protocols such as Aave. Even amid the collapse of several centralized lending platforms, Aave maintained stable operations, demonstrating the reliability of smart contracts. It is encouraging, he said, that institutional investors are shifting their focus beyond simple asset price appreciation toward assets that offer shared protocol revenues or sustainable yields. Regarding artificial intelligence, Boyle projected that its impact on the asset management industry would be limited. While AI can excel in objective data analysis and research, he argued that it is unlikely to replace the human trust and customized services required in managing high-net-worth clients.

Disclaimer: This article is for investment reference purposes only and the publisher is not responsible for any investment losses incurred based on it. The content should be interpreted for informational purposes only.