Is SWIFT Integrating XRP For Payments? The Code Might Hold The Answer

bitcoinistPublished on 2026-04-16Last updated on 2026-04-16

Abstract

Crypto pundit SMQKE has speculated that SWIFT may be integrating XRP for payments, citing code from the R3 Corda codebase that links XRP to ISO 20022 and SWIFT network. The code includes modules named XrpPayment and SWIFTPaymentStatusType, suggesting technical compatibility. While XRP is ISO 20022-ready, enabling potential connections with SWIFT-enabled institutions, SWIFT has not confirmed any integration. Currently, the only known link is through Ripple Treasury, a SWIFT connectivity partner, though SWIFT does not use XRP for payments. In related news, X (formerly Twitter) has added XRP to its cashtags feature, increasing its visibility. XRP is trading at around $1.40, up 3% in 24 hours.

Crypto pundit SMQKE has raised speculations that SWIFT may be integrating XRP for payments. He alluded to a code, which suggests that Ripple could easily move to establish connections between SWIFT-linked institutions and the XRP Ledger.

Pundit Highlights Alleged Link Between XRP and SWIFT

In an X post, SMQKE drew attention to the R3 Corda codebase, which he noted links XRP to ISO 20022 and SWIFT. He noted that any token or company aspiring to operate on the SWIFT network must comply with ISO 20022. He added that since XRP is ISO 20022-ready, and SWIFT relies on these standards, Ripple can technically establish direct connections and settlements with any SWIFT-enabled institution through the XRP Ledger.

XRP stakeholder RippleXity was the first to highlight the R3 Corda codebase, noting modules named XrpPayment, XrpSettlement, SWIFTService, and SWIFTPaymentStatusType, which point to XRP integration. However, there has been no confirmation from SWIFT regarding a potential integration.

Source: Chart from SMQKE on X

Meanwhile, it is worth noting that the only known connection between XRP and SWIFT is through Ripple. SWIFT is named as one of the connectivity partners for Ripple Treasury for payments. Furthermore, the Treasury Management firm is also part of the SWIFT Certified Partner program. However, SWIFT doesn’t use XRP for its payment services.

SWIFT announced last year plans to launch its distributed ledger, signaling that it had no intention of adopting the XRP Ledger or XRP for its payment services. However, Ripple has continued to integrate XRP into the operations of other firms it acquired last year, including GTreasury, now known as Ripple Treasury. Last month, Ripple integrated XRP and RLUSD into its treasury management system, marking the first time a management system has native on-chain capabilities.

XRP Gets Boost With X’s Cashtags

In an X post, X’s Head of Product, Nikita Bier, revealed that they had launched a new cashtags feature for XRP and other crypto assets as they move to bring financial data to the platform. This is expected to give these crypto assets greater visibility on the social media platform and provide easier access to trade them.

As to how it works, Bier stated that X users can search for or post a cashtag, and the platform will automatically suggest matching crypto tokens, allowing them to select the exact asset they have in mind. Users will be able to see posts mentioning these crypto tokens, including XRP, alongside their price charts without leaving the platform. Bier added that cashtags are just the first step in their commitment to make X the best destination for the crypto community.

At the time of writing, the XRP price is trading at around $1.40, up over 3% in the last 24 hours, according to data from CoinMarketCap.

XRP trading at $1.40 on the 1D chart | Source: XRPUSDT on Tradingview.com

Related Questions

QWhat evidence did crypto pundit SMQKE present to suggest SWIFT might be integrating XRP?

ASMQKE pointed to the R3 Corda codebase, which contains modules named XrpPayment, XrpSettlement, SWIFTService, and SWIFTPaymentStatusType, suggesting a potential link between XRP and SWIFT through ISO 20022 standards.

QWhat is the current known relationship between SWIFT and Ripple, according to the article?

ASWIFT is named as a connectivity partner for Ripple Treasury for payments, and Ripple Treasury is part of the SWIFT Certified Partner program. However, SWIFT does not use XRP for its payment services.

QWhat did SWIFT announce last year regarding distributed ledger technology?

ASWIFT announced plans to launch its own distributed ledger, indicating it had no intention of adopting the XRP Ledger or XRP for its payment services.

QWhat new feature did X (formerly Twitter) launch for XRP and other crypto assets?

AX launched a new cashtags feature that allows users to search for or post a cashtag, automatically suggesting matching crypto tokens and displaying posts mentioning them alongside price charts without leaving the platform.

QWhat was the price of XRP at the time the article was written, and how much had it increased in 24 hours?

AXRP was trading at around $1.40, up over 3% in the last 24 hours, according to data from CoinMarketCap.

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