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XRP camp says SWIFT cannot copy Ripple technology and will have to integrate

A claim has emerged that Ripple’s patents and trade secrets make it difficult for competitors to directly imitate its technology in the cross-border payments market. XRP community researcher SMQKE cited a 2025 fintech intellectual property study, saying Ripple’s patented technology and payment network could limit similar systems. The report also highlighted the role of trade secrets. It added there is no confirmed move by SWIFT to copy Ripple, and that SWIFT is building its own blockchain-based system focused on interoperability.