How SWIFT Could End Up Working With XRP For Global Payments

bitcoinistPublished on 2026-01-06Last updated on 2026-01-06

Abstract

Cryptocurrency analyst SMQKE suggests that SWIFT could eventually adopt XRP for global payments as regulatory clarity improves. He references former SWIFT CEO Gottfried Leibbrandt's past concerns about crypto due to regulatory uncertainty, noting the environment has since evolved. SWIFT has already taken steps toward crypto integration by partnering with Consensys to develop a distributed ledger for faster, cheaper cross-border transactions, seen as competition for Ripple. However, SWIFT may still utilize existing crypto assets like XRP rather than issuing its own token. The connection between Ripple and SWIFT is highlighted through Ripple-owned GTreasury's participation in SWIFT's partner program. Ripple's recent conditional approval to operate as a national trust bank could further deepen this relationship, potentially paving the way for XRP integration into SWIFT's system. XRP's price was up over 12% at the time of writing.

Crypto pundit SMQKE has revealed how SWIFT could end up adopting XRP for its global payment services. The pundit highlighted a statement by the company’s former CEO, Gottfried Leibbrandt, explaining why the company was hesitant to adopt cryptocurrencies.

How SWIFT Could End Up Adopting XRP For Global Payments

In an X post, SMQKE declared that SWIFT will adopt cryptocurrencies like XRP as regulations become clearer. He then pointed to a document that highlighted Leibbrandt’s statement, in which the former SWIFT CEO said they were hesitant to use cryptocurrencies due to issues such as the uncertain regulatory environment at the time. He added that risk-averse institutions were unlikely to adopt crypto until regulations become clearer.

However, the regulatory environment has improved significantly since Leibbrandt’s statement, indicating that SWIFT could soon adopt cryptocurrencies such as XRP. It is worth noting that the payment provider already took the first step towards embracing crypto last year by announcing plans to launch its distributed ledger.

SWIFT has partnered with Joe Lubin’s Consensys to launch a distributed ledger that will enable faster, cheaper, and more efficient cross-border transactions, thereby boosting its payment services. This move has been largely viewed as a way to directly compete with Ripple, which uses the XRP Ledger for its payment services. Meanwhile, there have also been concerns that it could impact the altcoin’s utility if Ripple gains less traction due to the competition from SWIFT.

However, there is still the possibility that SWIFT could adopt the token alongside other crypto assets for its on-chain payment services. SMQKE previously highlighted a statement by SWIFT executive Stephen Grainger that they had no plans to issue their native token. If that is the case, then the company’s distributed ledger is likely to utilize other crypto assets instead.

The Ripple And SWIFT Connection

Crypto pundit BankXRP highlighted a connection between Ripple and SWIFT amid talks of the latter potentially adopting the token. The pundit pointed out that GTreasury, which Ripple owns, is part of the SWIFT Certified Partner Program. As such, it offers global bank connectivity and hosting options for SWIFT’s Alliance Lite2 Program. GTreasury has also partnered to offer SWIFTRef data for IBAN and ABA lookups directly within its workflow.

Ripple could also deepen its relationship with SWIFT, as the crypto firm is set to operate as a national trust bank following the conditional approval from the OCC. This is bullish for the altcoin, as it could pave the way for SWIFT to integrate XRP into its payment system. XRP is already gaining momentum as Ripple looks to onboard more institutions on the Ledger by introducing new upgrades on the network.

At the time of writing, the altcoin price is trading at around $2.38, up over 12% in the last 24 hours, according to data from CoinMarketCap.

XRP trading at $2.33 on the 1D chart | Source: XRPUSDT on Tradingview.com

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