Ripple’s XRP Ledger Could Join the SWIFT Network – What AI Predicts

Updated

September 24, 2025

Gambar Ripple’s XRP Ledger Could Join the SWIFT Network – What AI Predicts

Jakarta, Pintu News – Discussions regarding the potential integration of SWIFT’s international banking network with XRP Ledger have been a hot topic in recent months.

Is it true that SWIFT will adopt Ripple’s distributed ledger technology for real-time cross-border transactions? Based on analysis using OpenAI’s latest AI model, here is a clearer picture of the possibility.

Recent Development Between SWIFT and Ripple (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
— John Squire (@TheCryptoSquire) September 23, 2025

Since September 2025, the dynamic between Ripple and SWIFT has evolved significantly. SWIFT has conducted trials with several blockchain systems, including Ripple’s XRP Ledger and Hedera, to evaluate the integration of distributed ledger technology in its cross-border payment infrastructure.

Meanwhile, Ripple continues to gain institutional adoption momentum through tokenized money market funds and the RLUSD stablecoin. Regulatory clarity in the United States has also reduced some of the uncertainty surrounding Ripple (XRP).

Also read: 3 Crypto US xStocks (Tokenized) Today (24/9): TSLAX, NVDAX, and CRCLX

SWIFT Strategy and Attitude

From a strategic perspective, Ripple’s XRP Ledger is only one of several candidates being tested by SWIFT, not the only one. This shows that SWIFT is still considering various options before making a final decision.

While Ripple’s XRP Ledger is technically compatible and can be integrated in SWIFT’s modernization strategy, there are still other considerations to take into account. SWIFT must ensure that any technology adopted can support the massive global transaction volumes.

Regulatory and Legal Landscape

🚨 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
— ALLINCRYPTO (@RealAllinCrypto) September 22, 2025

Ripple’s (XRP) legal position has improved, but there are still higher risks compared to stablecoin integration. SWIFT must be very careful in making decisions that could have far-reaching effects on its operations.

Despite the improvements, the full integration of Ripple’s XRP Ledger by SWIFT is still considered to have risks that cannot be ignored. This decision is not only based on technical aspects, but also complex legal and regulatory considerations.

Ripple (XRP) Institutional Momentum

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
— Black Swan Capitalist (@VersanAljarrah) September 10, 2025

If Ripple continues to expand its institutional partnerships, there will be practical reasons for SWIFT to consider Ripple’s XRP Ledger as a viable option. These partnerships could provide proof of the reliability and effectiveness of Ripple’s XRP Ledger at scale.

Citibank, as the leader of the ISO 20022 migration for SWIFT, indicates that every bank will follow this new standard for global payments. While ISO 20022 improves the messaging system, there is no solution for settlement, and this is where Ripple (XRP) can act as a bridge for real-time value transfer.

Conclusion

It is realistic to say that Ripple’s XRP Ledger could be one of the integrated ledgers in SWIFT’s interoperability framework. However, it is unrealistic that SWIFT would integrate exclusively or make Ripple’s XRP Ledger the main backbone of global payments. The most likely scenario is a multi-rail arrangement, where Ripple’s XRP Ledger is available as an option for institutions that value its liquidity and speed of settlement.

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