Crypto researcher SMQKE (@SMQKEDQG) recently shared a post arguing that Ripple and SWIFT could operate together. In this scenario, Ripple would handle settlement while SWIFT would handle messaging. He backed the claim with a screenshot from International Business Times UK.
That image explains exactly how Ripple and SWIFT could work together. The excerpt states that Ripple “has said it would be happy to work with SWIFT.” It then lays out the same structure SMQKE described.
Ripple’s technology would do the payment settlement, and SWIFT would remain the messaging layer in the application stack. The excerpt adds that this setup would also give Ripple access to SWIFT’s clout and its 11,000 members in the banking community.
Ripple has previously expressed its willingness to collaborate with SWIFT. ✅
What would the dynamics of this relationship be?
Ripple would handle the payment settlement, while SWIFT would continue to serve as the messaging layer.🎯
Documented.📝👇 pic.twitter.com/3dGdvjnIcO
— SMQKE (@SMQKEDQG) July 10, 2026
The Settlement and Messaging Split
The image describes a clear division of labor. Ripple handles the movement of value between banks. SWIFT handles the instructions that tell banks where that value needs to go. Neither system replaces the other in this description. Each keeps its existing strength.
SWIFT built its reputation on messaging. It connects thousands of financial institutions and transmits payment instructions in standardized formats. Settlement has traditionally sat outside that function, often left to correspondent banking chains that take days to complete a transfer.
The quoted comment suggests Ripple’s technology could take over that settlement while SWIFT continues with what it already does. Experts have speculated for years that Ripple and XRP will replace SWIFT, but this evidence suggests the partnership could favor both parties.
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Potential Implication for XRP
XRP powers Ripple payments and its settlement systems. It’s built to act as a bridge between currencies, moving value across borders quickly. If Ripple’s settlement layer runs on XRP, the structure described in the IBT UK excerpt ties XRP directly to SWIFT’s banking network without requiring SWIFT to give up its own infrastructure.
For XRP holders, this kind of post reinforces a familiar narrative. It points to a model in which blockchain settlement and traditional messaging work side by side rather than competing. Banks would get faster settlement, and SWIFT would keep its role as the communication backbone. Ripple would gain exposure to thousands of institutions already inside SWIFT’s network.
The post doesn’t confirm a current deal or a timeline. It re-anchors an older statement to today’s conversation about XRP’s role in cross-border payments, giving XRP supporters another data point in the long-running case for the token’s utility.
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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