SWIFT is terrible 1970s technology.
Many banks use XRP already for cross border transactions but not as many as they promised.
A few years back, SCB used XRP for transactions between Japan and Thailand, but they changed for another crypto.
XRP is a 'bankers' coin and many don't like it, because of that. The bitcoin maximalists obviously hate it because of this.
I sold XRP and got into DEFI cryptos as I believe this is the future.
I talked with a former finance minister of Thailand, who says the same, Khun Korn.
A good punt is Omg, whose CEO is his relative, and used to work in the World Bank.