The global payments system rarely changes in public view. When it does, markets watch closely. Over recent weeks, a quiet development has entered that space.
SWIFT has launched a blockchain ledger project, prompting speculation across digital asset markets about XRP’s potential role.
Coin Bureau reported that SWIFT is building a blockchain ledger. The report did not name any specific technology partner. That absence has not slowed speculation. Coin Bureau noted the increasing speculation that it could involve Ripple and XRP.
🚨SWIFT IS BUILDING A BLOCKCHAIN LEDGER
SWIFT has launched a blockchain-ledger project, sparking speculation over whether it could involve the $XRP Ledger or #Ripple tech. Nothing is confirmed yet. pic.twitter.com/LXc9ABD3V1
— Coin Bureau (@coinbureau) December 14, 2025
A New Market for XRP
SWIFT already connects more than 11,000 financial institutions. Its systems process trillions of dollars daily. Any blockchain ledger tied to that network would need speed, reliability, and regulatory compatibility. Few digital assets focus as directly on those needs as XRP.
Experts have predicted that XRP can dethrone SWIFT. However, with SWIFT now looking to upgrade its systems, a partnership with Ripple to use XRP could be the next logical step.
Why XRP Stands Out in Cross-Border Payments
XRP has built its reputation around its use case in cross-border settlement. The XRP Ledger processes transactions in seconds. Fees remain extremely low, and finality arrives quickly. These features matter to banks and payment providers.
Other blockchains often struggle to scale, facing high fees during congestion. Others rely on complex layers that slow the settlement. XRP avoids these issues by design. It does not depend on mining, and it uses a consensus mechanism that supports high throughput. This structure allows consistent performance.
Liquidity also plays a role. XRP already supports On-Demand Liquidity (ODL) corridors in multiple regions. Financial institutions use it to reduce the need for pre-funded accounts. That feature aligns with SWIFT’s long-term goal of improving capital efficiency.
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Alignment With Ripple’s Infrastructure
Ripple has spent years building relationships with banks, payment firms, and regulators. Its technology integrates with existing financial systems. This focus sets it apart from many crypto projects that target retail users first.
If SWIFT seeks a blockchain ledger that works with current banking infrastructure, XRP fits that profile. The XRP Ledger already supports tokenization, settlement, and messaging layers. It also operates independently of Ripple, which adds flexibility for large institutions.
No official statement links SWIFT to XRP or Ripple. However, an analysis of requirements points in one direction. Speed, cost, and liquidity issues. XRP addresses all three. Few alternatives combine those use cases at scale today.
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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