In recent commentary, crypto analysts have highlighted a major shift in how **SWIFT** â the global banking messaging system â is talking about the *future of crossâborder payments*. Instead of focusing on traditional secure messaging alone, SWIFT is now emphasizing a **shared, realâtime ledger with instant settlement and alwaysâon crossâborder capabilities**, a move that echoes the core ideas behind **Rippleâs XRP Ledger**. ([Binance][1])
Experts say this doesnât necessarily mean SWIFT is officially using Rippleâs technology or partnering with Ripple. However, the shift toward blockchainâstyle realâtime settlement systems indicates that **traditional finance is acknowledging the very vision Ripple has been building for years**. ([MEXC][2])
Despite the buzz, **no official direct integration between SWIFT and XRP has been confirmed** â and SWIFT CEO executives have publicly critiqued XRP and suggested focusing on broader blockchain infrastructure rather than any single token. ([KuCoin][3])
đ **What this means:**
* SWIFTâs movement toward blockchainâbased realâtime ledgers aligns with the *type of technology Ripple has championed*. ([Binance][1])
* XRP continues to be part of discussion as an industryâwide solution for fast, lowâcost crossâborder payments â even if formal integration isnât official. ([MEXC][4])
