$XRP Some crypto-focused posts are circulating that SWIFT’s new blockchain/ledger plans essentially look like what Ripple has been advocating — e.g., real-time settlement, shared ledgers, 24/7 payments — and they interpret that as SWIFT “building Ripple” (or XRP).
However:
SWIFT has not announced an official partnership with Ripple nor said it will use XRP as a settlement token.
SWIFT stated publicly that it’s exploring blockchain and shared ledgers, and has tested distributed ledger tech as part of innovation efforts — but did not confirm a direct Ripple/XRP adoption or white-label build-out of Ripple’s system.
SWIFT’s blockchain experiment is more general infrastructure aimed at interoperability, not necessarily centered on any one crypto or blockchain.
🧾 What is actually happening with SWIFT
🧩 SWIFT’s blockchain initiative
SWIFT is developing a blockchain-based shared ledger network with multiple banks involved. This platform aims to modernize cross-border payments with features like 24/7 settlement and real-time reconciliations — which are similar goals to Ripple’s vision, but not the same as adopting RippleNet/XRP directly.
🔗 Multiple blockchain technologies under consideration
According to credible reports, SWIFT’s innovations have involved testing not only
$XRP Ledger but also other DLTs and infrastructures (e.g., Ethereum-based solutions like Linea), and SWIFT explicitly wants to remain neutral rather than endorse a single digital asset as the global settlement currency.
🤔 So what does “building Ripple without saying Ripple” really mean?
That phrase is marketing spin, not a literal technical or corporate statement from SWIFT. What people are trying to say is:
✔ SWIFT is building something functionally closer to blockchain-based real-time settlement — which Ripple has long promoted.
✘ SWIFT did not say it’s building RippleNet or using XRP as its settlement asset.
✘ There’s no official SWIFT announcement explicitly endorsing Ripple or XRP.
So the headline is basically a crypto community interpretation, not a verified claim from SWIFT.
🪙 What about
$XRP & Ripple’s role?
💡 Ripple and XRP are already integrated indirectly into global payments through banks and fintech partners that connect RippleNet or XRP liquidity rails with ISO 20022 networks — including SWIFT’s standardized messaging environment — but that’s not the same as SWIFT itself adopting XRP.
✔ Ripple has many partnerships and use cases for cross-border payments.
❌ There is no direct, formal SWIFT–Ripple partnership confirmed.
📉 Why this topic keeps circulating
🚫 Rumors about direct SWIFT–XRP integration have been around for years, and some social posts have even been debunked as fake or misleading.
📊 Analysts see SWIFT’s blockchain strategy as broader industry validation of blockchain technology — including Ripple’s long-term vision — even if SWIFT chooses its own approach.
📌 Bottom Line
No, SWIFT hasn’t actually admitted it’s building “Ripple” or that it will use XRP as its settlement layer.
What’s true is:
SWIFT is modernizing with shared / distributed ledgers.
This aligns conceptually with what Ripple has been talking about for years.
But SWIFT is choosing a tech-neutral position and has not announced a direct partnership or XRP adoption.
#Xrp🔥🔥 #XRPRealityCheck