Crypto researcher SMQKE (@SMQKEDQG) recently shared a short excerpt from a U.S. regulatory document. He posted it to highlight an important detail about XRP’s real market role. He wrote, “Yes, SWIFT GPI can partner with digital currency companies such as Ripple to leverage XRP for settlements.”
The document came from the Consumer Financial Protection Bureau. It reviewed changes in the remittance transfer market. It noted rapid growth in several payment systems. It also listed Ripple and XRP within that shift. This created interest because it placed XRP beside long-established networks.
Yes, SWIFT GPI can partner with digital currency companies such as Ripple to leverage XRP for settlements.🔑
Of course it’s documented.📝👇 https://t.co/fBdPIV5sjl pic.twitter.com/eTQTtBKms5
— SMQKE (@SMQKEDQG) November 24, 2025
U.S. Agency Names XRP as a Settlement Asset
The excerpt states that the Bureau continues to track new activity in cross-border payments. It describes expanded use of SWIFT tools. It cites SWIFT’s Global Payment Innovation (GPI) tracking product, which helps sending institutions access more information.
It also notes stronger support from major payment card networks. The report then shifts to nonbank “fintech” providers. These firms establish partnerships with banks or credit unions to access closed payment systems.
It then turns to digital asset firms. It references “virtual currency companies, such as Ripple,” which offer technology for global transfers. It also names XRP, and states that Ripple offers a proprietary virtual asset “which can be used to settle those transfers.”
That line matters because it confirms that XRP plays a settlement role. It does not present XRP as a theory or a distant plan. It places XRP inside a current payment framework. It demonstrates that federal reviewers recognize XRP’s role in actual transactions.
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XRP Appears in Mainstream Payment Discussions
Ripple continues to market XRP as a tool for fast and frictionless settlement. Many banks face delays, high fees, or limited transparency. Ripple solves these issues with XRP. It offers liquidity across currency pairs. It supports messaging for transaction tracking.
The CFPB document outlines these services in direct terms. It does not instruct banks to use XRP or call for policy changes. It simply lists products now active in the market. The mention still matters because it indicates policymakers reviewing XRP alongside established payment systems.
The report also shows a shift in the payment landscape. Banks once relied only on correspondent networks or card systems. Now they consider new technology like XRP. Institutions are already testing XRP, and this creates a path for growth.
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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