In a recent post on X, crypto researcher SMQKE shared a revealing screenshot from Electronic Payments International, highlighting how Ripple (XRP) continues to be factored into strategic discussions within the financial landscape. The excerpt quotes a SWIFT executive stating that while Ripple is not considered for retail real-time payment systems, it is always examined when payments move across borders. This comment underscores Ripple’s unique role in international transactions, even as SWIFT explores blockchain for other financial services. SWIFT’s Position on Blockchain The document shared by SMQKE captures SWIFT’s cautious yet deliberate exploration of blockchain. According to the executive, blockchain is not yet suitable for high-volume, low-latency retail transactions, where speed and scale dominate. SWIFT EXECUTIVE: RIPPLE IS ALWAYS CONSIDERED ONCE PAYMENTS GO CROSS-BORDER AND CROSS-CURRENCY Documented. pic.twitter.com/G0bo3tRlp7 — SMQKE (@SMQKEDQG) September 7, 2025 Instead, the technology is seen as more relevant for use cases such as trade finance and correspondent banking, where proof of data and settlement assurances are critical. This reflects SWIFT’s longstanding approach of testing innovative technologies without immediate, large-scale adoption. Why Ripple Is Considered in Cross-Border Payments The remarks also emphasize Ripple’s differentiated positioning. Ripple has long marketed XRP as a bridge currency designed to provide on-demand liquidity in global corridors. This eliminates the need for banks to pre-fund nostro accounts, reducing costs and increasing settlement efficiency. As a result, when financial institutions evaluate solutions for cross-border or multi-currency flows, Ripple consistently enters the discussion because its technology directly addresses the pain points of foreign exchange, liquidity, and settlement finality. Balancing Neutrality with Innovation Despite Ripple’s appeal, SWIFT’s preference for “neutral” infrastructure remains a significant factor. SWIFT is owned by its member banks and prides itself on being a community-led standard setter rather than a proprietary platform. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 This governance model reassures institutions concerned about relying on a single private entity. Consequently, while Ripple is considered for specific corridors, SWIFT’s interoperability pilots aim to deliver efficiency improvements without ceding systemic control to one company. The Road Ahead for Global Payments The insights shared by SMQKE serve as a reminder that the global payments landscape is not a zero-sum game. Instead of one network dominating all flows, the future points toward coexistence. SWIFT will continue building interoperability for tokenized assets and blockchain pilots, while Ripple remains a compelling option for corridors where liquidity management and cost reduction are most pressing. Banks, regulators, and market infrastructures will increasingly weigh neutrality, governance, and efficiency as they adopt the next generation of payment technologies. Ripple’s consistent presence in cross-border conversations highlights its relevance to the evolving financial system. The broader message is clear: while domestic retail payments may rely on traditional rails, once payments cross borders and currencies, Ripple is always part of the equation. 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 SWIFT Executive: Ripple (XRP) Is Always Considered for Cross-Border and Cross-Currency Payments appeared first on Times Tabloid .
