Crypto researcher SMQKE (@SMQKEDQG) has shocked the XRP community with a bold claim that SWIFT will be upgraded to Ripple. He backed up this statement with a presentation by Matthew Le Merle that placed Ripple inside a broader shift toward digital infrastructure.
The remarks were made during a discussion on how traditional financial systems are facing a structural upgrade as more value moves across tokenized networks. Le Merle described the transition as an active process that already involves major companies, established assets, and new digital counterparts.
His comments revived interest in what happens if a global payments system like SWIFT adopts blockchain rails built for real-time settlement.
‼️REMEMBER: SWIFT IS BEING UPGRADED TO RIPPLE‼️
Listen closely.👇 https://t.co/UPWYCO8FBR pic.twitter.com/aJBJnG19bX
— SMQKE (@SMQKEDQG) December 12, 2025
A Growing Focus on Digital Money Infrastructure
Le Merle is a well-known figure who serves as an Advisory Board Director at Bitwise. During the presentation, he described how digital infrastructure now handles functions once limited to banks and legacy payment networks.
He referenced custodians such as Anchorage and Fireblocks as examples of companies building the systems needed for modern finance. He said the sector keeps expanding because “we need infrastructure to allow for the digitalization of finance and commerce.”
Digital Equivalents Replace Legacy Payments
Le Merle then shifted to the category of money. He explained that traditional players now face digital counterparts. He stated that the industry is “taking things like Swift or Visa or Mastercard, and we’re upgrading them into digital equivalents, which have names like Ripple or Yellowcard.”
That comment positioned Ripple’s XRP-powered payment system alongside a group of platforms designed for fast and frictionless value transfer. Le Merle also drew attention to stablecoins such as Tether and Circle, confirming investment positions in both companies.
XRP is well-known for its dominance in the cross-border payment space among cryptocurrencies. As the world moves toward digital payments, dominating traditional cross-border payment flows is a natural evolution for the digital asset.
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Ripple’s Position if SWIFT Adopts Blockchain
SMQKE focused on the scenario where SWIFT migrates to blockchain infrastructure. Le Merle’s remarks outlined a clear link between legacy networks and digital systems. If SWIFT chooses a model similar to Ripple’s, the XRP Ledger becomes a viable option for real-time cross-border settlement.
Ripple already targets these functions through XRP-based liquidity routing and instant finality. Le Merle also mentioned BlackRock’s excitement to enter the tokenization space, a market where XRP has gained prominence.
A blockchain upgrade for SWIFT would allow banks to move from messaging formats to on-chain operations. XRP gains utility in environments that require fast execution and continuous settlement. This shift increases the asset’s relevance in global finance and could have a major positive impact on its price.
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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