Whispers of a potential SWIFT–Ripple collaboration have electrified crypto circles, with claims that the global payments giant is preparing to “formally announce” a pilot with Ripple.
Given SWIFT’s central role in international banking—serving over 11,000 financial institutions—any official tie to the XRP Ledger (XRPL) would be a watershed moment for cross-border payments. Yet excitement alone is not evidence, and the facts deserve scrutiny.
Yuto’s Post Sets Off the Debate
The latest wave of speculation was sparked by a widely shared post from X user Yuto, which suggested that a SWIFT pilot involving Ripple might be imminent. His comments quickly drew reactions across the XRP community, prompting questions about whether this was mere hearsay or the prelude to a genuine industry breakthrough.
“We were briefed on the possibility of SWIFT formally announcing a pilot with Ripple. However, key executives at the Bank of Japan, and I myself, believe that Ripple should maintain its independence.” Yuto tweeted.
Community voices such as Arthur demanded proof, while others noted that XRP can be used without Ripple’s direct involvement—underscoring the need for a grounded fact-check.
我々は、SWIFTがRippleとのパイロットを正式発表する可能性について説明を受けました。
しかし日銀の重要な幹部、そして私自身は、Rippleは独立を維持すべきだと考えています。
— Yuto 🇯🇵 (@yutokanzakireal) September 19, 2025
What SWIFT Has Officially Confirmed
SWIFT has indeed outlined plans to expand digital-asset trials. Its published 2025 roadmap highlights live experiments to link banks with distributed ledger technology (DLT) networks, enabling tokenized asset transfers across borders.
However, no official SWIFT statement names Ripple or the XRP Ledger as a formal partner in these pilots. Public documentation remains limited to broad DLT testing rather than any Ripple-specific initiative.
Industry Reports vs. Verified Evidence
Some reputable blockchain and payments outlets have reported that SWIFT’s internal experiments include the XRPL among several ledgers, such as Hedera Hashgraph, as part of early proof-of-concept trials. These accounts, while intriguing, rely on unnamed industry insiders and have not been backed by a joint press release or official confirmation from SWIFT.
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Ripple’s Position and Independence
Ripple executives have long emphasized independence from traditional banking networks. Company statements in 2025 reaffirm that Ripple aims to provide an alternative liquidity rail, not merely a messaging overlay to legacy systems like SWIFT.
A formal pilot would represent a significant strategic shift for both parties, making verified documentation essential before treating the rumor as fact.
The Bottom Line
The excitement surrounding a potential SWIFT–Ripple pilot is understandable, and Yuto’s post has undeniably fueled conversation. But as of now, there is no public, formal announcement confirming that SWIFT is partnering with Ripple or the XRP Ledger.
What we do have is a credible context of SWIFT’s DLT experimentation and industry chatter pointing to XRPL’s involvement. Until a co-signed statement emerges from SWIFT and Ripple, the claim remains unverified speculation rather than confirmed news.
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.
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