The United States (USA) government shutdown has set off a bullish wave across the broader crypto markets, as the plunging market values of fiat currencies, particularly the American Dollar and the Japanese Yen, has led to investors looking for a hedge against this inflation.
Crypto Hedges Against Inflation, Major-Caps Rise
With many market connoisseurs now ringing the alarm about a global economic liquidity crisis, both gold & Bitcoin (BTC) came up as the winners in the hedging race. As investors pivoted to the physical & digital counterparts of gold, BTC’s price skyrocketed above $125,000 for the first time ever on Monday, while major-cap altcoins scored more humble gains.
Ripple (XRP), the third largest crypto currency around the globe, regained the $3 psychological threshold with trading volumes above $6 billion on the starting days of the second week of ‘Uptober’. XRP Ledger, one of the strongest blockchain contenders for SWIFT integration, will be going through testing starting November, 2025.
Insider Observations Spark XRP vs. SWIFT Debate
With an annualized trading volume of $155 trillion, Ripple’s CEO Brad Garlinghouse previously made a bold prediction that XRP Ledger could capture 14% of this liquidity. However, some XRP bulls dare to believe that SWIFT’s XRP integration would ultimately lead to XRP Ledger surpassing SWIFT by global market capitalization.
Intriguingly, UnknowDLT, the market observer who thinks so, bases their opinion on a supposed non-disclosure agreement (NDA) between SWIFT’s decision-making personnel and Ripple (XRP), preventing the public from premature knowledge of the integration details.
Whether this swirling gossip turns out to be true or not, the last two months of 2025 could be pivotal for crypto’s short-term vibe: along with SWIFT testing XRP & HBAR, a decision on 11 Ripple coin-based exchange-traded funds (ETFs) is yet to arrive. However, the temporary U.S. government lock-down puts the original settlement dates on indefinite mode.
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This refers to potential cash flow shortages or inefficiencies in global banking systems, possibly exacerbated by economic slowdowns, geopolitical tensions, or regulatory changes as of October 2025. Traditional systems like SWIFT, reliant on pre-funded accounts, may struggle to adapt quickly.
XRP, powered by the XRP Ledger, offers near-instant cross-border payments with minimal fees, potentially serving as a more efficient alternative when traditional liquidity channels (e.g., nostro/vostro accounts) face delays or costs during a crisis.
XRP transactions settle in 3-5 seconds with transaction costs often below $0.0002, compared to SWIFT’s multi-day processing and higher fees. Additionally, XRP’s decentralized nature could bypass some regulatory bottlenecks affecting centralized systems.
Regulatory uncertainty (e.g., ongoing SEC lawsuits), limited institutional adoption, and SWIFT’s entrenched network with over 11,000 financial institutions could hinder XRP’s ascent, even in a crisis.
Increased adoption by banks and payment providers, integration with stablecoins or central bank digital currencies (CBDCs), and supportive policies (e.g., U.S. classifying XRP as a strategic asset) could position XRP as a viable liquidity solution, especially if traditional finance remains strained into late 2025.
