A newly surfaced document has sparked renewed excitement across the XRP community, confirming a long-held belief: SWIFT and Ripple can coexist and complement each other within the future of global finance.
Shared by respected crypto analyst SMQKE on X, this revelation is backed by official documents showing that SWIFT’s November 2025 ISO 20022 upgrade introduces blockchain-specific enhancements, marking a major milestone in bridging traditional finance with distributed ledger technology.
SWIFT and Ripple: Collaboration Over Competition
One of the most striking excerpts from the publication reads: “SWIFT’s network includes a messaging system adopted on a global scale, but it does not settle or make any payments the way Ripple does, thereby making the two companies very different. For this reason, SWIFT and Ripple could easily exist in the same space, even with SWIFT using Ripple’s distributed ledger technology.”
“SWIFT and Ripple could easily exist in the same space, even with SWIFT making use of Ripple's distributed ledger technology.”✅
This is documented.👇 https://t.co/NqqT6KAuUx pic.twitter.com/F7vdSUuEUl
— SMQKE (@SMQKEDQG) June 20, 2025
This acknowledgment signals a significant shift in the narrative. Rather than framing Ripple as a threat, SWIFT is recognizing the possibility of integration. SWIFT remains the backbone of global financial messaging, while Ripple’s strength lies in instant settlement using blockchain and the XRP Ledger. Together, they could form a complementary infrastructure where SWIFT handles secure messaging, and Ripple enables near-instant, cost-effective settlement.
Ripple’s On-Demand Liquidity (ODL) and XRP bridge asset are already transforming cross-border payments for dozens of financial institutions. SWIFT’s new openness to distributed ledger technology (DLT) suggests a future in which it could tap into Ripple’s capabilities to overcome its limitations in settlement efficiency.
ISO 20022: Preparing for a Blockchain Future
Further validation comes from a detailed ISO 20022 illustration featured in the Standards MT Release for November 2025. The schema incorporates elements such as “Blockchain Address or Wallet” and “Digital Ledger Identifier (DLT ID: DTI2024Identifier)” into its message structure. These updates are far from symbolic—they reflect a strategic commitment to making blockchain a native part of financial communication standards.
The addition of these fields means institutions using SWIFT messaging will soon be able to reference blockchain wallets and DLT identifiers directly in settlement messages. This opens the door for seamless interaction between blockchain networks like the XRP Ledger and the traditional banking ecosystem.
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Notably, the term “Blockchain wallet where digital currencies are maintained” now appears explicitly in ISO messaging structures. This confirms that crypto-native infrastructure is being formally recognized in financial standards, paving the way for banks, central banks, and custodians to manage digital assets with the same clarity and compliance as fiat.
A Turning Point in Global Finance
This upgrade, set for global implementation in late 2025, represents more than just a technical evolution—it’s a structural realignment of financial messaging standards with the realities of blockchain innovation. Ripple’s technology is already ISO 20022-compliant, positioning it as a ready-made solution for institutions navigating this transition.
What once appeared as a rivalry between SWIFT and Ripple is now being redefined. As this new documentation makes clear, they are not competitors, but complementary players in the race to modernize global finance.
This new revelation confirms what XRP advocates have long anticipated: SWIFT and Ripple are not mutually exclusive. As blockchain technology becomes embedded in ISO 20022 messaging standards, Ripple’s infrastructure—including XRP and the XRPL—will be more relevant than ever. With SWIFT now laying the foundation for blockchain interoperability, a new era of hybrid finance is within reach—faster, smarter, and borderless.
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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