Crypto researcher SMQKE recently posted a message pointing to Ripple’s documented role in reshaping global payments. The post read, “RIPPLE —> REPLACING CORRESPONDENT BANKING RELATIONSHIPS.” Alongside the statement, SMQKE shared an excerpt from an official industry report that directly mentions Ripple as an example of new infrastructure solutions that are contributing to the transformation of cross-border transactions. The passage underlined in the report states that domestic instant payments and cross-border payments are expanding rapidly. This growth is attributed to innovative solutions such as Ripple, which are positioned as alternatives to traditional correspondent relationships. The document further references the creation of the SCT Inst scheme and highlights a favourable technological environment as additional drivers behind this change. SMQKE presented this excerpt as confirmation that Ripple is officially recognized in an authoritative context for its role in replacing legacy systems . RIPPLE —> REPLACING CORRESPONDENT BANKING RELATIONSHIPS Documented. pic.twitter.com/FW30XRJuK1 — SMQKE (@SMQKEDQG) September 17, 2025 Correspondent Banking and the Shift to New Infrastructures Correspondent banking has historically been the backbone of international transactions, requiring institutions to maintain reciprocal accounts across borders. While functional, this system is known for delays, higher costs, and liquidity constraints tied to nostro and vostro accounts. The document shared by SMQKE indicates that this traditional model is increasingly being challenged by private-sector technologies that allow for faster and more efficient settlement. By specifically naming Ripple, the report suggests that analysts and institutions view it as a serious alternative to correspondent arrangements. This acknowledgment indicates that financial institutions may be reevaluating their reliance on bilateral corridors, given the possibility of integrating systems that provide quicker settlement and greater transparency. The mention of Ripple in this context demonstrates that blockchain-based payment infrastructures are now firmly within the scope of mainstream financial discussions. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Industry Implications and Regulatory Considerations The inclusion of Ripple in the report excerpt places it alongside broader industry changes, such as the establishment of instant payment schemes and advancements in digital technology. Together, these developments are creating conditions where legacy methods may gradually be replaced by more efficient infrastructures. For banks and payment service providers, the recognition of Ripple in such a report provides further evidence that adoption of alternative settlement networks is under active consideration. Regulatory bodies will play a central role in fast-tracking this shift. Moving away from correspondent banking requires clear assurances on compliance, settlement finality, and risk management. Any widespread integration of blockchain-based solutions into traditional financial markets would therefore need to be aligned with oversight standards and international cooperation frameworks. 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 advised to conduct thorough 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 X , Facebook , Telegram , and Google News The post Ripple (XRP) Is Replacing Correspondent Banking Relationships appeared first on Times Tabloid .
