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SWIFT’s strategy isn’t about picking one winner, but rather striving for universal connectivity across miscellaneous ledgers.
The most recent independent research by the cryptic market watcher SMQKE puts all eyes on Ripple’s XRP Ledger once again. According to SMQKE, SWIFT’s recent bold declaration of building a stand-alone blockchain doesn’t mean the major-scale financial conglomerate is not partnering with other blockchains.
A while ago, SWIFT revealed XRP & Hedera Hashgraph (HBAR) testing for Q4 of 2025, which could solve the long-term issue of long payment processing times between borders, as well as better fee efficiency. Indeed, a transaction on Ripple’s own XRP Ledger typically costs around $0.00003, or the base fee of $0.00001 XRP.
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On the other hand, SWIFT’s current financial messaging system costs around $20 – $50 per transaction, often taking up three to four days to clear. So, a direct integration between XRP Ledger & SWIFT could dramatically reduce both the processing windows & the transaction costs, while an Eastnets representative showed how XRP is working with SWIFT via a third-party solution.
As an ISO 20022-compatible asset, Ripple (XRP) coin can be moved throughout the SWIFT network via PaymentSafe, which is sort of an universal translator for converting various payments formats on & off-ramp. Via the Straight-Trough Processing (STP) framework, PaymentSafe enables XRP support on SWIFT without much hassle as a bridge currency.
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Garnering over $155 trillion in annualized transaction volume, SWIFT is set to give an opinion on whether Ripple’s XRP Ledger or Hedera Hashgraph (HBAR) have higher chances of succeeding, but it’s fair to say that Ripple’s XRP Ledger hosts hefty transfer volumes every day, often reaching beyond $10 billion, while the competing HBAR Network revolves around $200 million per day.
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SWIFT’s neutrality suggests it’s exploring multiple technologies, including but not limited to XRP, without committing exclusively to any single solution, despite community speculation.
XRP’s integration could revolutionize cross-border payments by leveraging its low-cost, high-speed transactions, challenging SWIFT’s traditional dominance in global finance.
SWIFT’s September 2025 announcement of a blockchain-based ledger with over 30 financial institutions reignites debates, as XRP’s ISO 20022 compliance positions it as a candidate, though not confirmed.
Eastnets platform, connecting Ripple’s technology with SWIFT, hints at indirect integration possibilities, fueling community hopes despite no direct SWIFT-XRP confirmation.
The ambiguity keeps XRP’s price volatile, with investors weighing potential upside against regulatory and competitive risks in the evolving cross-border payment landscape.
This article is for information purposes only and should not be considered trading or investment advice. Nothing herein shall be construed as financial, legal, or tax advice. Trading forex, cryptocurrencies, and CFDs pose a considerable risk of loss.
Tadas Klimaševskis is a DailyCoin Journalist, covering memecoins & latest developments. Tadas has moderate holdings in SHIB, HBAR, LTC, MATIC and a selection of low-cap meme currencies.
Crypto features | October
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