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A financial institutions report has pointed out something interesting: blockchain technology could fundamentally reshape how traditional banking handles cross-border transfers. Specifically, some believe XRP could serve as a serious alternative to legacy systems like SWIFT, offering faster settlement and lower friction for international payments. Beyond that, stablecoins like RLUSD are emerging as bridges between crypto markets and traditional finance, enabling seamless value transfer across institutional boundaries. The convergence here is real—blockchain isn't just a speculative asset class anymore, it's becoming infrastructure that traditional finance can't ignore.