The BRICS bloc (Brazil, Russia, India, China, South Africa + new members like UAE, Egypt, Iran) is quietly building a CBDC-powered alternative to the Western financial system. If successful, this could reshape global trade, weaken the US dollar, and force Ripple (XRP) and SWIFT to adapt or die.
Here’s how BRICS plans to challenge the US/EU dominance—and what it means for money’s future.
✔ Digital Yuan (e-CNY) – Already live, China’s weapon to bypass USD.
✔ Digital Ruble – Russia’s SWIFT alternative after sanctions.
✔ Digital Rupee (India) – Fast-moving, could link to BRICS.
✔ mBridge – China’s CBDC corridor (UAE, Thailand, Hong Kong).
✔ New BRICS Currency? – Rumored gold/commodity-backed token for trade.
Replace USD in trade: Oil, minerals, food traded in BRICS CBDCs + gold-backed units.
Bypass SWIFT: Use mBridge + private blockchains for settlements.
Lure neutral countries: Offer fast, cheap, sanctions-proof payments.
| Western System | BRICS Counter-Move |
|---|---|
| USD as global reserve | Trade in BRICS CBDCs + gold |
| SWIFT for messaging | mBridge + blockchain rails |
| US/EU sanctions power | Sanctions-proof CBDC network |
| Private crypto (XRP, stablecoins) | State-controlled digital currencies |
Impact:
Dollar dominance erodes if BRICS trades oil/gas in CBDCs.
SWIFT becomes optional for 40% of the world’s population (BRICS+ allies).
Ripple (XRP) could be squeezed if BRICS prefers CBDCs.
✅ Pros
China + Russia are all-in (already testing cross-border CBDCs).
UAE, Saudi Arabia, Iran joining = oil trade in BRICS money.
Global South is fed up with USD dominance.
❌ Cons
India is hesitant (won’t fully align with China).
Tech hurdles (linking different CBDCs is hard).
US/EU counterattack (sanctions, lobbying against BRICS CBDCs).
If BRICS wins, XRP could be locked out of the biggest trade corridors.
But if BRICS struggles, Ripple could become the bridge between BRICS and Western CBDCs.
Losing BRICS transactions = 25%+ drop in volume.
May pivot to serve only US/EU/Japan.
BRICS may use Bitcoin as a neutral reserve if distrust grows between members.
Gold-backed CBDCs could compete with BTC as "hard money."
Scenario (2030+):
BRICS CBDCs dominate Global South trade.
USD still rules in the West, but weaker globally.
Ripple adapts as a "neutral" bridge.
SWIFT shrinks to a Western niche.
Bitcoin = digital gold for all sides.
BRICS is serious about dethroning the USD—CBDCs are their weapon.
The next 5 years will decide if they can build a working alternative.
Ripple must pivot to survive in a BRICS vs. West financial cold war.
SWIFT’s era of dominance is ending, but it won’t vanish overnight.
Bitcoin wins either way—the only apolitical, uncensorable money.
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