The claim about Mastercard's CEO announcing Ripple replacing SWIFT is shaky. A Binance Square post from October 2024 mentioned this, but it’s unverified and smells like hype. XRPL Labs and Mastercard are indeed working on a debit card for XRP spending, as confirmed by Wietse Wind in 2023, but that’s far from replacing SWIFT. No official Mastercard statement exists on this. Be cautious—sounds like a pump for $XPUMP token presale. Check primary sources yourself.