#RWA市场 Swift is breaking down walls on Linea, while Ripple's ten-year layout has instead been trapped inside a wall—this turning point must be fully understood.

The key differences are threefold: First, Swift uses zk-EVM for instant verification, whereas Ripple's ODL model still relies on XRP as a bridge, meaning assets are not neutral and institutions must bear the volatility of the coin price; second, Swift directly connects to over 11,000 existing financial institutions' networks, while Ripple's efforts with over 300 institutions seem somewhat thin; third, the most significant is that Swift supports multiple assets including fiat, stablecoins, and CBDCs, with an almost zero upgrade cost, so banks don't have to gamble on a single asset.

Where are our opportunities? The RWA market is about to explode during this wave of clearing system upgrades. After Ethereum Layer 2 established itself as financial infrastructure, tokenization projects of physical assets based on chains like Linea and Arbitrum will become the next hot spot for interaction. We are still in the early stages, and participating in early RWA project airdrops offers the lowest cost and highest returns.

It is recommended to shift focus from purely payment tokens to RWA track projects, as a new round of institutional red dividends has already begun.