A recent post by crypto analyst SMQKE on X has ignited widespread attention: “Ripple gains indirect access to Federal Reserve infrastructure via FIS integration as a third-party token service provider and SWIFT.” While Ripple does not hold a Federal Reserve master account, emerging partnerships and technical integrations are granting the company indirect, yet strategic, access to key U.S. and global payment systems. Accessing FedNow Infrastructure Through FIS-Linked Providers Ripple’s indirect access to the Federal Reserve system is primarily enabled through its connections with service providers approved under the FedNow instant payments platform. Notably, Ripple’s partnership with Finastra, an official FedNow-certified service provider, has been instrumental in this access. Finastra utilizes RippleNet and XRP-powered liquidity tools to enable faster settlement for banks connected to the FedNow ecosystem. RIPPLE GAINS INDIRECT ACCESS TO FEDERAL RESERVE INFRASTRUCTURE VIA FIS INTEGRATION AS A THIRD-PARTY TOKEN SERVICE PROVIDER And SWIFT. Look closely. Documented. pic.twitter.com/JODolKnTxX — SMQKE (@SMQKEDQG) July 28, 2025 Through this structure, Ripple does not interact with the Federal Reserve directly but leverages intermediary financial institutions that do. These institutions, holding master accounts with the Fed, act as Ripple’s on-ramps into real-time settlement rails. Industry data shows that over 70% of FedNow service providers have existing relationships with Ripple, either directly or via vendors like FIS, further solidifying Ripple’s behind-the-scenes presence in the U.S. real-time payments landscape. Ripple’s Strategic Ties to SWIFT The second major pathway mentioned by SMQKE is Ripple’s growing alignment with SWIFT, the global interbank messaging network. Although no formal partnership has been announced, banks and institutions have conducted multiple trials using XRP for cross-border settlements alongside SWIFT’s ISO 20022 messaging protocol. Analysts speculate that Ripple may soon be integrated more formally into SWIFT’s ecosystem, especially as financial institutions demand faster, cheaper alternatives to traditional correspondent banking. Projections suggest that Ripple could eventually facilitate a portion of SWIFT’s $150 trillion annual volume, potentially handling $20–30 trillion in cross-border flows if full-scale integration is achieved. This prospect is made more feasible by Ripple’s ISO 20022 compliance , which ensures seamless messaging interoperability between XRP Ledger transactions and SWIFT’s evolving infrastructure. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 ISO 20022: The Glue Behind the Integration A key factor enabling Ripple’s indirect access to both the FedNow system and SWIFT lies in ISO 20022 compatibility. Both payment systems are migrating to this global standard, which RippleNet and the XRP Ledger already support. This common language allows Ripple to connect its blockchain-based infrastructure with legacy financial systems, simplifying integration and boosting institutional adoption. The Bigger Picture: Ripple Embeds Deeper into Global Finance Ripple’s dual-channel access through FedNow and SWIFT signifies more than just technical progress; it marks a critical milestone in its evolution from crypto outlier to infrastructure partner. Although it lacks direct Federal Reserve credentials, Ripple’s network of partners with master account access, paired with its global interoperability through SWIFT-aligned messaging, positions the company as a powerful liquidity engine in both U.S. and global finance. SMQKE’s observation reflects a growing reality: Ripple is quietly securing its role in the future of digital payments, not by force, but through strategy, standards, and partnerships that grant access to the very core of institutional finance. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post Ripple Gains Indirect Access to Fed via These Two Powerful Channels appeared first on Times Tabloid .
