In recent commentary, crypto analysts have highlighted a major shift in how **SWIFT** — the global banking messaging system — is talking about the *future of cross‑border payments*. Instead of focusing on traditional secure messaging alone, SWIFT is now emphasizing a **shared, real‑time ledger with instant settlement and always‑on cross‑border capabilities**, a move that echoes the core ideas behind **Ripple’s XRP Ledger**. ([Binance][1])
Experts say this doesn’t necessarily mean SWIFT is officially using Ripple’s technology or partnering with Ripple. However, the shift toward blockchain‑style real‑time 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** — and SWIFT CEO executives have publicly critiqued XRP and suggested focusing on broader blockchain infrastructure rather than any single token. ([KuCoin][3])
📌 **What this means:**
* SWIFT’s movement toward blockchain‑based real‑time ledgers aligns with the *type of technology Ripple has championed*. ([Binance][1])
* XRP continues to be part of discussion as an industry‑wide solution for fast, low‑cost cross‑border payments — even if formal integration isn’t official. ([MEXC][4])
