Written & Edited by
Mohammad Shahid
In recent months, there have been several discussions and debates regarding the international banking network SWIFT integrating Ripple’s XRP Ledger for real-time cross-border transactions. But how practical are these speculations?
Can SWIFT actually onboard XRP Ledger to manage trillions in global transaction volume? We used a series of advanced prompts on OpenAI’s latest AI model to get a definitive answer and timeline.
As of September 2025, the conversation around Ripple, XRP, and SWIFT has taken a fresh turn. SWIFT has been running trials with blockchain systems — including the XRP Ledger and Hedera — to test how distributed ledgers could plug into its cross-border payments infrastructure.
Meanwhile, Ripple has gained momentum with institutional adoption through tokenized money market funds and its RLUSD stablecoin. Regulatory clarity in the US has also reduced some uncertainty around XRP.
🚨 Brad Garlinghouse, CEO de Ripple:
“Cross-border payments move in the trillions, yet SWIFT — a system designed over a decade ago — still dominates.
It’s time to bring global finance into the modern era.”#XRP is the bridge. 🌉💎 pic.twitter.com/yTTdEHuOHA
Yet the picture is far from settled. SWIFT has not confirmed a formal partnership with Ripple. It also didn’t make any formal commitment to using XRP in production.
What remains unclear is whether SWIFT will treat XRP Ledger as a core settlement option or simply keep it as one of several blockchains in a broader interoperability framework.
Implication: XRP Ledger is one of the candidates in trials, but not the only one.
Implication: From a technical perspective, XRPL is compatible and could slot into SWIFT’s modernization strategy.
🚨 What if SWIFT updated to compete with blockchain transaction speeds? Ripple co-founder Chris Larsen tackles an important question on $XRP:"SWIFT only deals with the data. They have a corresponding banking partner that deals with the value."
[Source: @Google] pic.twitter.com/4JzPYIY5m9
Implication: XRP’s legal position has improved. Yet, it’s still riskier for SWIFT to endorse outright compared with stablecoin integrations.
Implication: If Ripple keeps stacking institutional partnerships, SWIFT has a practical reason to treat XRPL as a viable option.
Citibank is leading the ISO 20022 migration for SWIFT. Every bank will follow, this is the new standard for global payments.
ISO 20022 fixes messaging, not settlement. That’s the gap. #XRP is the bridge that makes real-time value transfer possible.https://t.co/4RHx9A7CtV pic.twitter.com/H0HuerdH7Y
It is realistic that XRP Ledger becomes one of the ledgers integrated into SWIFT’s interoperability framework.
However, it’s not realistic that SWIFT will integrate XRP exclusively or position it as the default backbone of global payments.
The most likely outcome is a multi-rail setup, where XRP is available as an option for institutions that value its liquidity and settlement speed.
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