The clip features both Ripple CEO Brad Garlinghouse and the company’s President Monica Long, and their comments support that point.

XRP’s Bridge Function

The clip opens with Long, who confirmed Ripple uses a mix of assets, including stablecoins and XRP, to serve customers. She tied XRP’s use case to its original design. She noted that the asset was built as a bridge for the long tail of currency pairs.

That function becomes more relevant as tokenization expands across new asset classes. When new tokenized assets enter the market, an efficient intermediary bridge asset becomes essential for making any pair liquid.

Brad and Monica Long Admitted This On-Camera About XRP!!

Ripple is making SURE XRP stays as the bridge asset for bridging everything… payments, fiat, stablecoins, tokenized assets, the works.

The plan was always XRP as the neutral backbone of real-world finance. pic.twitter.com/yxlaeSNOFs

— Stellar Rippler (@Stellar_Rippler) June 20, 2026

XRP at the Center

The clip then turns to Garlinghouse, addressing his own tweet, which said XRP sits at the center of everything Ripple does. Asked to explain it, he pointed to misinformation circulating online. Some people, he said, paint a picture suggesting Ripple has given up on XRP. He rejected that idea outright, calling it illogical given Ripple’s broader business model.

A Multi-Asset Strategy

Garlinghouse laid out Ripple’s approach through products like Ripple Payments and its treasury infrastructure, including GTreasury. Some payment flows run through stablecoins, while others run through XRP. The choice depends on the corridor and the currency pair. Ripple’s goal is to deliver the best price and product to each customer.

He shared a detail many don’t know. In early 2023, Ripple minted 20% of all USDC in circulation. That activity came from institutional payment flows. Ripple used USDC for some of those flows, and XRP for others.

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The Best Option for Customers

Garlinghouse rejected the maximalist label entirely. Different chains serve different solutions and different technologies, he said. The crypto industry needs to start by identifying the customer’s problem first. Technology should follow. A customer doesn’t think in terms of blockchain preference. A customer has a problem.

He described XRP’s specific strengths. It’s scalable, fast, and inexpensive per transaction. Those qualities make it well-suited for certain use cases. Other situations call for different tools, and Ripple uses those tools when needed.

Making XRP the Backbone

Stellar Rippler sees the videos as proof of a long-term plan. XRP is meant to be the neutral backbone of real-world finance. The comments from both executives support that opinion. Both described XRP as a foundational piece of a payments infrastructure built to scale with tokenization, exactly the point Stellar Rippler raised in sharing the clip.

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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With XRP trading at $1.14, crypto analyst MikybullCrypto (@MikybullCrypto) shared a new chart suggesting the asset could be nearing a final capitulation phase before a major recovery.

In a post on X, the analyst wrote: “$6 price target after this final capitulation. Probably nothing.” The forecast arrived alongside a weekly XRP chart highlighting a significant support zone and a momentum indicator sitting near levels that previously marked major lows.

$XRP

$6 price target after this final capitulation

Probably nothing pic.twitter.com/LjliKYjsT0

— MikybullCrypto (@MikybullCrypto) June 21, 2026

Weekly Structure Tests a Critical Area

The chart focuses on XRP’s move from its late-2024 breakout through its subsequent correction. After surging from below $0.60 to above $3, XRP entered a prolonged decline that has gradually pushed the price back toward the $1 region.

A descending trendline on the chart tracks the lows since early 2025, while another ascending trendline tracks the asset’s peaks. This pattern is similar to a descending broadening wedge, and XRP sits close to the lower trendline with crucial support near $0.95 (Fib. 0.618).

This area carries significance because it represents a common retracement zone where buyers often attempt to regain control after a strong advance. XRP currently trades only slightly above that level, placing the asset close to a support region that could influence the next major move.

RSI Mirrors a Previous Market Low

Another notable feature of the chart appears in the RSI. MikybullCrypto highlighted a previous RSI bottom that formed during XRP’s lengthy consolidation period near $0.33 in 2022. The current RSI has now fallen back toward a similar oversold region. The chart marks both occurrences, suggesting the analyst sees a potential repeat of the earlier setup.

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If that comparison proves accurate, the present decline could represent the final stage of a corrective cycle before a new upward trend develops. That view forms the basis of the analyst’s $6 target, representing a gain of more than 425% from XRP’s current price of $1.14.

XRP’s Next Move

For bullish traders, the key area remains the support zone around the 0.618 retracement. Holding above that region would strengthen the case that XRP is completing a correction rather than beginning a deeper downtrend.

Reports indicate that traders are already buying the dip, and a successful rebound could bring much higher targets into focus. Any sustained recovery would likely need to overcome previous highs.

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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Crypto commentator Bird (@Bird_XRPL) recently shared a weekly XRP chart showing a large falling wedge pattern nearing its apex, suggesting that July could become an important month for price action.

In his post, Bird argued that “all it takes is one god candle to erase 18 months of pain,” adding that the wedge “looks ready for July.”

All it takes is one god candle to erase 18 months of pain.

This wedge looks ready for July.

What we saying XRP bulls, yay or nay? pic.twitter.com/GXaQMhQ63D

— Bird (@Bird_XRPL) June 21, 2026

A Crucial Technical Setup

The chart highlights a descending resistance line from XRP’s all-time high of $3.65 of July 2025. A second trendline comes from the asset’s lows in late 2024, stretching across 2025 and 2026 as support preventing significant declines.

Both trendlines converge into a falling wedge, with XRP sitting near the apex of this formation. Traders often watch these areas closely because they can produce significant volatility once a breakout occurs. At the time of the chart, XRP traded around $1.14 after a weekly decline of 3.52%.

Bird’s chart suggests that XRP has reached a stage where the prolonged consolidation may soon end. After about 18 months, the green projection on the chart shows a sharp move higher following a breakout from the wedge. While projections are not guarantees, the setup shows expectations that compressed price action could eventually lead to a strong directional move.

XRP Key Levels to Watch

The weekly chart shows XRP holding near the apex of the falling wedge while remaining above the psychologically important $1 level. A successful breakout would require XRP to reclaim the descending resistance line that has capped rallies for nearly a year.

The chart also shows declining volatility compared to the sharp swings seen throughout the previous year. As the wedge narrows, market participants will likely focus on whether XRP can generate enough buying pressure to break above resistance.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

July now appears to be the period many traders are monitoring, especially as the pattern approaches its conclusion.

Community Expectations Remain High

Bird’s post generated a range of reactions from XRP supporters. One commenter believes there will be one final shakeout below $1 before a larger advance begins. That view suggests that a brief move lower could clear out weak positions before momentum returns.

Another community member expressed optimism about the long-term setup, stating that five years of pain are about to be erased. Market participants are now looking to July for a major breakout.

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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Crypto expert BankXRP (@BankXRP) highlighted the development in a recent post, noting that XRP had fallen below the Ichimoku cloud on the weekly timeframe while trading at $1.14 following a 3.46% decline.

The chart shows XRP slipping below key Ichimoku support as both major trend lines continue to trend lower. While the move does not determine XRP’s long-term direction, it places greater focus on how the asset reacts to resistance levels in the weeks ahead.

Anyone who can explain this chart for me?

XRP weekly just lost the Ichimoku cloud down 3.46%, sitting at $1.14, both trend lines rolling over pic.twitter.com/ry0YorYQzw

— 𝗕𝗮𝗻𝗸XRP (@BankXRP) June 21, 2026

Weekly Structure Shifts Lower

BankXRP’s chart presents a notable change in XRP’s technical structure. After a powerful rally that pushed the token to its all-time high in July 2025, its price has steadily retraced and now sits below the Ichimoku cloud.

The weekly chart shows the blue Tenkan-sen line below the red Kijun-sen line, a configuration that typically reflects weakening momentum. XRP has also moved beneath both lines, leaving resistance above the current price.

Another important feature is the forward cloud. The projected cloud ahead remains red and slopes downward. That setup often signals that sellers continue to hold an advantage unless XRP can reclaim higher levels.

Another Expert Weighs In

Prominent crypto commentator Ripple Bull Winkle (@RipBullWinkle) offered his interpretation of the chart. According to him, the large move higher appears to have been “a short-covering rally or news pump that is being fully retraced rather than the start of a sustained uptrend.”

He added that the current Ichimoku structure favors continued consolidation or a downside unless XRP can recover important technical levels. His analysis focuses heavily on the Kijun-sen, the red line visible on the chart. As long as XRP remains below that level, traders will likely view it as a key resistance area.

Ripple Bull Winkle also noted that the cloud ahead remains red and continues to slope downward, placing additional resistance above current prices.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Focus Turns to the Next Move

BankXRP’s observation highlights a technical development that many market participants watch closely. Losing the weekly cloud signals that momentum has weakened compared with earlier stages of the rally.

At the same time, Ripple Bull Winkle’s assessment places attention on the path back toward resistance. His conclusion classified XRP as “short-term bearish, medium-term neutral until key resistance is reclaimed.”

For now, the weekly chart places the spotlight on the Kijun-sen and the cloud above it. If XRP can recover those levels, sentiment could improve.

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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Now, documents shared by crypto researcher SMQKE (@SMQKEDQG) suggest Ripple’s On-Demand Liquidity platform, powered by XRP, sits at the center of how that system maintains its liquidity.

How mBridge Works

mBridge operates by allowing central banks to hold what the official project demo video calls an “mCBDC wallet.” These wallets hold wholesale CBDCs, digital currencies transferred directly between central banks rather than retail consumers.

For the system to function, each currency pair needs a funded liquidity pool. Every new digital currency corridor requires its own dedicated funding. Someone has to build and maintain those pools, and that is where Ripple enters.

XRP is positioned to power liquidity on mBridge.

As you can see in the official demo video for Project mBridge, central bank participants maintain an “mCBDC wallet.”

mCBDC = multi-CBDC

This mCBDC wallet represents wholesale CBDCs that are transferred between central… pic.twitter.com/tREyIsHxR3

— SMQKE (@SMQKEDQG) June 21, 2026

Details from the Documents

SMQKE published documents that outline how Ripple can facilitate mCBDC transactions within mBridge. One states clearly: “The second way to maintain the liquidity pool is by bringing the m-CBDC bridge on Ripple’s On-Demand Liquidity Platform.”

The same documents reference ISO 20022, the global financial messaging standard now being adopted across the payments industry. They note that Ripple, described as a “leader in Distributed Ledger Technology-based (DLT) cross-border payments, has already adopted ISO 20022 standards.” The documents suggest other DLT networks may follow.

This matters because mBridge is built for speed and interoperability. ISO 20022 compliance positions Ripple as a natural fit within that infrastructure.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

XRP as the Engine

Ripple’s On-Demand Liquidity product uses XRP as the bridge asset. When a financial institution converts one currency into another, XRP handles the middle step. It removes the need for pre-funded nostro accounts, which traditionally lock up capital across dozens of currency corridors.

In the mBridge context, that function becomes significant. Each new CBDC pair requires liquidity. XRP allows institutions to source that liquidity in real time rather than holding large reserves in each currency. The documents position this as a viable solution for the liquidity challenge mBridge faces at scale.

What This Means for XRP

mBridge represents institutional-level infrastructure backed by the Bank for International Settlements and multiple central banks. Ripple’s potential role within it is not speculative branding. The documents describe a functional mechanism for the m-CBDC bridge running on Ripple’s platform.

As mBridge expands to include more CBDC corridors, the demand for that liquidity layer grows. More corridors mean more transactions. More transactions mean more XRP utility. That utility drives the case for XRP’s long-term value.

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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The Transaction Rietveld Is Watching

Rietveld explains that the XRPL and JPMorgan entered a partnership as of May 6, 2026. He drew attention to Kinexys, which he has previously covered, and noted that the collaboration also includes Ondo Finance, MasterCard, and Ripple.

According to Rietveld, the group completed the first near-real-time cross-border, cross-bank redemption of a tokenized U.S. Treasury fund. He says this linked the public XRP ledger with traditional interbank settlement rails.

$10 Is TOO LOW For $XRP! The Banks Are About To Send It MUCH Higher! pic.twitter.com/V4W2RiU2Vj

— Levi | Crypto Crusaders (@LeviRietveld) June 20, 2026

Mechanics of the Settlement

Rietveld walks through the mechanics. Ripple redeemed a portion of its OUSG holdings, Ondo’s Short-Term U.S. Government Treasury fund, on the public XRPL blockchain. Rietveld says this leg was processed in under five seconds.

MasterCard then routed the fiat payout instruction through its multi-token network, bridging on-chain assets with traditional finance.

Kinexys by JP Morgan debited Ondo’s blockchain deposit and settled USD proceeds to Ripple’s bank account in Singapore via its correspondent banking network. Rietveld notes the flow was outside traditional banking hours, showing 24-7 capability.

Why This Is A Catalyst for XRP Price

Rietveld connects this transaction to the scale of global cross-border payments. He notes that trillions of dollars in cross-border payments settle every single day worldwide. He said if even a portion of that volume moves onto the public blockchain, such as XRPL, that represents trillions of additional dollars flowing through XRP.

He frames the May 6 transaction as proof of concept rather than a one-time event. In his view, a major bank like JP Morgan choosing to route a real settlement through the XRP ledger signals where institutional infrastructure is heading.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Rietveld also references a target he says is built into ClearSight: $100 per XRP. He believes that $10, which many see as a high target, undersells what this kind of institutional integration could eventually support.

What This Means For XRP Holders

Rietveld’s video shows that a regulated bank, a major card network, and a tokenized asset platform completed a live settlement using the XRP ledger as the on-chain rail. That transaction moved real treasury holdings and settled real dollars in a single coordinated flow.

As tokenization and bank settlement infrastructure continue to adopt the XRPL, he expects transaction volume on the network to rise. He expects that volume to support a much higher price for XRP over time.

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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Vet’s List of Five Developments

Vet listed five major things already happening on the network. He highlighted a quantum readiness roadmap, native on-chain lending, AI-driven security hardening, formal verification, AMM v2, and smart contract progress. Each one represents work already underway rather than a future promise, and gives the community more reasons to be bullish.

This is exactly why I remain bullish on the XRP Ledger long term.

These aren’t isolated upgrades; they’re foundational building blocks for a complete financial ecosystem.

Native lending, AMM v2, smart contracts, AI-driven security and quantum readiness all strengthen XRPL’s… https://t.co/mjcx8PBxKH

— Astatium XRP Validator (@AstatiumToken) June 20, 2026

Quantum Readiness and Security Hardening

Ripple published a four-phase roadmap in April targeting full quantum resistance by 2028. The plan includes an emergency “Q-day readiness” phase that would force a migration to quantum-safe accounts and enable fund recovery via zero-knowledge proofs if quantum threats arrive sooner than expected. Phase 2 testing is already underway.

Ripple also established a dedicated AI-powered red team to scan the XRP Ledger for vulnerabilities back in March and is resolving them. Formal verification work runs alongside this, using mathematical methods to confirm code behaves exactly as specified, the kind of rigor associated with high-security systems.

Lending and AMM v2

XRPL version 3.1.0 introduced a Lending Protocol feature in January. Still undergoing the voting process, this system enables the creation of loans directly on XRPL, with credit intermediaries set to utilize funds pooled in Single Asset Vaults to issue unsecured, fixed-term loans on-chain.

The AMM v2 draft builds on that DeFi push. The proposal introduces pluggable curve types, with StableSwap and Concentrated Liquidity specified in the draft, while existing constant product pools stay untouched. This increases usable liquidity without requiring more capital.

Astatium’s Read on the Pattern

Astatium took these items and called them “foundational building blocks for a complete financial ecosystem.” He said native lending, AMM v2, smart contracts, AI-driven security, and quantum readiness strengthen XRPL’s utility, resilience, and institutional appeal.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

He drew a line between marketing and substance. Astatium said, “The future winners won’t be the chains with the loudest marketing, but the ones building real infrastructure.” He closed his post by stating that the XRPL is positioning itself to become far more than a payments network.

What to Expect from XRP

Astatium’s post reframes XRP beyond payments. Native lending and AMM v2 push XRPL into DeFi, building institutional trust through quantum readiness and formal verification. If lending clears voting and AMM v2 advances, XRPL becomes a multi-functional financial network. That structural shift compounds over time rather than showing up in a single price candle.

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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In her tweet, she attached a video discussing growing enthusiasm around Ripple’s ecosystem while also questioning whether the developments being celebrated will ultimately benefit retail investors.

Her comments came in response to increasing attention surrounding Ripple Swell and statements from Ripple CEO Brad Garlinghouse, who recently described the current period for the company and the crypto sector as a significant moment driven by real momentum rather than speculation.

The $XRP Army hates it when I say this. pic.twitter.com/VG8PH1AONj

— Wendy O (@CryptoWendyO) June 19, 2026

Excitement Builds Ahead of Ripple Swell

In the video attached to her post, Wendy O reviewed reports highlighting renewed optimism around XRP and Ripple’s ecosystem. She noted that Swell has become an important annual gathering for the company and said the conference consistently attracts influential speakers and major announcements.

According to Wendy O, the event provides an opportunity for industry participants to come together and discuss developments across the digital asset sector. She also expressed enthusiasm about the conference and acknowledged Garlinghouse’s positive outlook regarding Ripple’s current position.

She pointed out that this year’s gathering marks roughly the tenth or eleventh edition of the event, describing that longevity as a positive sign for Ripple’s continued presence in the industry. Wendy O said she expects several notable developments to emerge from the conference, reflecting the growing attention surrounding the company’s ecosystem.

Institutional Adoption Remains the Central Theme

A major focus of Wendy O’s commentary centered on Ripple’s emphasis on institutional adoption. Referring to Garlinghouse’s remarks, she acknowledged that Ripple has spent years building relationships with financial institutions and integrating its technology into institutional frameworks.

She agreed that Ripple has made significant progress in that area, noting that the company has successfully positioned itself within institutional markets. However, she argued that institutional growth does not necessarily translate into direct benefits for retail participants.

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Wendy O specifically pointed to accredited investor regulations, suggesting that existing rules continue to limit opportunities for ordinary investors. While she welcomed broader adoption of blockchain technology by institutions, she maintained that the current framework favors larger market participants more than retail users.

Debate Over DeFi and Ripple’s Role

Another area of focus was Ripple’s inclusion of decentralized finance. It’s one of the key topics expected to be discussed at Swell. Wendy O questioned how strongly DeFi aligns with Ripple’s broader business model, arguing that the company’s operations are largely designed to serve institutions and therefore rely on more centralized structures.

She referenced features such as compliance mechanisms and clawback capabilities as examples of why Ripple’s ecosystem differs from fully decentralized networks. According to Wendy O, this distinction makes it difficult to place Ripple entirely within the DeFi category.

The commentator concluded by reiterating a position she said often frustrates members of the XRP community. In her view, decentralized finance and centralized finance serve fundamentally different purposes. She stated that Ripple’s business model is primarily aligned with centralized finance due to its institutional focus, comparing it to networks that place greater emphasis on decentralization and community-driven participation.

While acknowledging Ripple’s progress and the growing anticipation surrounding Swell, Wendy O maintained that the company’s institutional focus remains a key characteristic of its ecosystem.

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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BankXRP brought attention to a transaction in which an XRP holder unknowingly sent funds to an attacker after being lured by promises of investment rewards. The researcher used the incident to remind users that scammers continue to exploit trust and carelessness rather than weaknesses in the XRP Ledger itself.

According to the X post, the victim lost 14,646.219964 XRP through a transaction that appeared legitimate on the surface. The attached transaction screenshot showed the payment had been successfully confirmed on the XRP Ledger, with the funds transferred from the sender’s wallet to a destination address controlled by the attacker.

SCAM ALERT: Another XRP holder just lost 14,646 XRP $16.8K to a payment request attack.

The bait? "10% monthly rewards" + a memo that reads Safe XRPL verify message." Attackers write the memo themselves Safe in there means absolutely nothing.

Always double check what you're… pic.twitter.com/kMhyeW5uyz

— 𝗕𝗮𝗻𝗸XRP (@BankXRP) June 20, 2026

“10% Monthly Rewards” Used as Bait

BankXRP explained that the scam relied on a common tactic frequently seen across the cryptocurrency industry: unrealistic reward promises designed to encourage users to approve transactions without fully understanding them.

The researcher stated that the bait in this case was an offer of “10% monthly rewards.” Alongside the offer, the attacker included a memo that read “Safe XRPL verify message,” creating the impression that the transaction had some form of official verification or security check.

However, BankXRP emphasized that the wording provided no protection whatsoever.

“Attackers write the memo themselves,” the researcher wrote. “Safe in there means absolutely nothing.”

The attached transaction details support the point. The screenshot displayed a comment field containing the message “Verification” and “Safe XRPL verify message,” language that could easily convince an inexperienced user that the transaction had undergone a verification process or was connected to a trusted service.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Human Error Remains the Biggest Risk

The warning focused less on technical vulnerabilities and more on user behavior. BankXRP stressed that payment request attacks often succeed because users approve transactions without carefully reviewing what they are signing.

Unlike traditional scams that rely on direct account compromise, payment request attacks typically involve convincing users to authorize transactions. Once approved and confirmed on-chain, the transfers cannot easily be reversed.

BankXRP explained that wallet software alone cannot fully protect users from these schemes. While wallets can provide warnings and transaction details, the final decision still rests with the individual authorizing the payment.

The incident serves as another reminder that cryptocurrency users must remain cautious when presented with investment opportunities, reward programs, or verification requests that require transaction approval.

As scammers continue to use persuasive language and misleading memos to create a false sense of legitimacy, careful review of every transaction remains one of the most effective defenses against losing digital assets.

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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SMQKE’s Analysis of the Situation

Tom Alaerts spent 27 years at SWIFT helping develop ISO 20022 standards, and he has now launched pacs.crypto. SMQKE described it as an open framework that links standard ISO 20022 payment messages directly to blockchain transactions, keeping the same ISO 20022 structure and data fields while adding support for digital asset networks.

He pointed out that RippleNet already uses PACS.008 messages for payment processing, and that pacs.crypto is built on that same foundation. He concludes that this creates a simple bridge between banks and digital asset networks, letting ISO 20022-enabled banks connect to compliant blockchain rails, such as the XRPL.

The significance of the November 2026 deadline. https://t.co/XAG6PsKQuo

— SMQKE (@SMQKEDQG) June 21, 2026

The November Deadline

SMQKE linked the launch to SWIFT’s November 2026 PACS.008 update, which requires structured creditor address data instead of free-text fields. He argued that this matters for blockchain adoption because structured data is easier to validate, process, and map into digital asset systems.

Alaerts calls it a real improvement for sanctions screening, but says the bigger prize is ISO 20022 itself, a dictionary most banks finished migrating to and then stopped using.

Closing the Bridge

The framework is an open API specification family that bridges ISO 20022 financial messaging to blockchain payments, preserving each component’s data model and regulatory alignment while adding the on-chain details blockchain payments require. Three specifications are live now, with two more on the roadmap, all published openly on GitHub under the pacs.crypto name.

Banks currently lack a clean way to instruct VASPs, each running proprietary APIs, aiding the loss of remittance and party data at the crypto conversion point. Alaerts calls it the same problem ISO 20022 solved for traditional payments two decades ago.

Why XRP Sits at the Center

This is where SMQKE’s framing and Alaerts’ specification line up directly. Because RippleNet already runs on PACS.008, and pacs.crypto extends the same foundation, ISO 20022-enabled banks get a standardized path onto blockchain rails, including the XRPL.

Structured creditor address data, mandatory from November 2026, is easier to map into digital asset systems than the free text it replaces. For a network already aligned with the ISO 20022 standard, that’s a direct on-ramp for institutional volume, and SMQKE’s post puts that connection on record.

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