SWIFT, the Society for Worldwide Interbank Financial Telecommunications, has been the dominant player in the intercountry payment sector for decades, with approximately $190 trillion worth of transactions conducted annually. However, a new report from Houlihan Lokey, an American investment bank, states that Ripple (XRP), a blockchain-based payment solution, is emerging as a major competitor to SWIFT. Ripple's blockchain-based system can reduce both payment times and fees compared to traditional banking systems. This has made it an attractive option for businesses and individuals who need to send money across borders. The report from Houlihan Lokey highlights the potential for Ripple to disrupt the traditional SWIFT system. If Ripple can continue to gain market share, it could pose a serious threat to SWIFT's dominance in the intercountry payment sector.