Crypto researcher SMQKE recently shared a tweet describing a video as “The Single Most Important XRP Video You’ll Ever Watch.”
In the video, hosted by Maximus Crypto, SMQKE outlined how XRP is already positioned within the traditional banking system through the Interledger Protocol (ILP) and ISO 20022 compliance.
XRP and the Banking System
SMQKE stated that XRP is integrated into regulated systems processing trillions of dollars daily. He stressed that his presentation was based on verifiable documentation, not speculation, making it a rare disclosure of XRP’s role in global finance.
Interledger Protocol
He explained that Ripple’s ILP, introduced in 2012, was created to connect otherwise incompatible blockchains and traditional ledgers. ILP routes payments across independent networks, offering scalability, privacy, and interoperability.
RippleNet, Ripple’s payments network, is built on ILP and uses XRP for liquidity. According to SMQKE, banks prefer ILP for its ability to scale while maintaining transaction secrecy.
The Single Most Important XRP Video You’ll Ever Watch.💯
— SMQKE (@SMQKEDQG) September 14, 2025
ISO 20022 Compliance
SMQKE highlighted the link between ILP and ISO 20022, the new global messaging standard replacing SWIFT. XRP is among the few ISO 20022-compliant assets, giving it direct compatibility with banking systems. He cited RippleNet’s use of ISO 20022 PACS-008 messages and Standard Chartered Bank’s recognition of XRP as a native ISO 20022 token.
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International Finance Bank Evidence
SMQKE pointed to the International Finance Bank (IFB), which has adopted ILP in its settlement framework. IFB is compliant with Basel, FATF-16, DORA, and EU sanctions.
Its payment matrix shows scenarios where XRP is chosen, such as when counterparties are Ripple-native or when XRP liquidity provides cost advantages. Ripple’s presence alongside traditional rails like SWIFT GPI and SEPA Instant was described as confirmation of XRP’s role in banking infrastructure.
He concluded that RippleNet already covers 90 percent of the global foreign exchange market and partners with over 100 banks, including tier-one institutions, covering more than 80 percent of trade corridors. SMQKE explained that banks are prepared to use XRP as a liquidity bridge once its market capitalization supports large-scale adoption.
SMQKE’s presentation framed XRP as an integrated part of banking infrastructure through ILP and ISO 20022 standards. He presented evidence that banks are already positioned to utilize XRP for liquidity, with the framework for adoption firmly in place.
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.
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