<ul data-eligibleForWebStory="false">A prominent XRP analyst highlights Ripple's advancements towards potentially replacing SWIFT in cross-border settlements.Ripple's integration with EUR and GBP IBANs signifies a shift towards offering institutional-grade banking functionalities.Partnerships with OpenPayd enable programmable dollar liquidity, facilitating faster cross-border transactions.Ripple's technology aims to replace key SWIFT functions, with active liquidity corridors and stablecoin usage for settlements.