Guys, this headline "SWIFT is being replaced by Ripple/XRP" has been circulating in the crypto chat for years, but as of December 2025 — it is still a myth and hype, not reality. There is no official announcement about the replacement or full transition of SWIFT to Ripple technology.
What really happened:
SWIFT completed the migration to the ISO 20022 standard in November 2025 (the coexistence period ended on November 22). Now all cross-border payments in the SWIFT network are in the new format — this improves data, interoperability, and efficiency, but the network remains the same messaging system (not blockchain).
XRPL (XRP Ledger) is compatible with ISO 20022 out of the box, making it convenient for integration.
SWIFT is conducting tests and experiments with XRPL (and others, like Hedera) for potential interoperability and tokenization, but these are pilots, not replacements.
There are indirect connections through partners (for example, Thunes integrated services into the SWIFT network, providing access to XRP liquidity for 11k+ banks).
Ripple CEO Brad Garlinghouse predicts that XRP could capture up to 14% of SWIFT volume by 2030, but this is a prediction, not a fact.
Conclusion: Ripple/XRP may complement SWIFT (faster and cheaper settlement through ODL), compete in certain corridors, and gradually integrate. Complete replacement? No, and none is expected in the near future. This is evolution, not revolution overnight.
Don't fall for clickbait — check official sources (swift.com, ripple.com). There's silence about 'upgrading to XRP'.
What do you think — will XRP take market share from SWIFT or remain niche? Share your opinion in the comments, just facts! 📊🔍
