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SWIFT Embraces Blockchain: XRP Seeks Momentum in Tokenized Settlements

SWIFT Embraces Blockchain: XRP Seeks Momentum in Tokenized Settlements

Bitget-RWA2025/09/27 08:16
By:Coin World

- SWIFT’s 2025 blockchain integration introduces tokenized settlement options, with XRP Ledger as a leading candidate due to ISO 20022 compatibility and rapid settlement speeds. - XRP’s institutional adoption via DBS, Franklin Templeton, and ODL liquidity solutions strengthens its case, though regulatory risks persist compared to stablecoins/CBDCs. - SWIFT’s multi-rail framework prioritizes interoperability over disruption, testing XRP Ledger alongside Hedera to avoid single-asset dependency while enabling

SWIFT Embraces Blockchain: XRP Seeks Momentum in Tokenized Settlements image 0

SWIFT’s planned blockchain integration in November 2025 signals a major evolution in the global financial system, with Ripple’s

Ledger standing out as a prominent option for tokenized settlements. According to SWIFT’s official documents, the update will introduce blockchain-centric capabilities such as DLT wallet settlements, smart contract oracles, and tokenized asset fields SWIFT Integrating XRP Ledger In 2026 – Reality Or Hype? [ 1 ]. This move supports SWIFT’s goal to upgrade cross-border payment systems while preserving asset neutrality. With its ISO 20022 compliance, settlement speeds under five seconds, and minimal transaction costs, XRP Ledger is well-positioned for SWIFT’s multi-rail approach, offering institutions a range of settlement choices, including XRP, , or tokenized deposits SWIFT Goes On-Chain: Breaking Down the 2025 … [ 2 ].

Ripple’s growing institutional partnerships further reinforce XRP’s prospects. Collaborations with organizations like DBS and Franklin Templeton, along with the introduction of the RLUSD stablecoin, highlight increasing momentum in tokenized finance. RippleNet’s On-Demand Liquidity (ODL) has already showcased XRP’s effectiveness for cross-border liquidity, an area where SWIFT’s correspondent banking system falls short HBAR, XRP Erupt: SWIFT Drops Bombshell Crypto … [ 3 ]. After the SEC case, regulatory clarity in the U.S. has lowered institutional risk, but globally, XRP is still seen as “high-risk” compared to CBDCs and stablecoins Where Will XRP Be In 5 Years? Price Prediction and … [ 4 ].

SWIFT’s strategy focuses on interoperability rather than disruption. The network is piloting several ledgers, including XRP Ledger and Hedera, to offer flexibility to its members SWIFT to test digital assets and tokenized cryptos in November, … [ 5 ]. By avoiding reliance on a single asset, SWIFT maintains its role as a messaging and interoperability platform for over 11,000 institutions. While XRP’s technical strengths are notable, its integration into SWIFT’s system will depend on liquidity growth and institutional interest. Should XRP continue to capture tokenized flows, SWIFT may prioritize it as a settlement option SWIFT Integrating XRP Ledger In 2026 – Reality Or Hype? [ 6 ].

The 2025 update will introduce standardized blockchain elements into SWIFT’s messaging, allowing for smooth interaction with DLT systems. Notable enhancements include broader wallet address compatibility, dynamic fee adjustments through oracles, and sequencing for tokenized transactions SWIFT Goes On-Chain: Breaking Down the 2025 … [ 7 ]. These improvements aim to minimize reconciliation mistakes and automate settlements, addressing inefficiencies in legacy systems. For XRP, alignment with ISO 20022 and proven scalability in real-world deployments (such as SBI Remit and Onafriq) strengthen its market position Where Will XRP Be In 5 Years? Price Prediction and … [ 8 ].

Despite considerable attention, a practical outcome would see XRP as one of several optional settlement rails within SWIFT’s ecosystem, rather than the primary backbone. The most probable scenario is a pilot phase between 2026 and 2027, dependent on liquidity development and regulatory progress SWIFT Integrating XRP Ledger In 2026 – Reality Or Hype? [ 9 ]. Analysts suggest XRP’s value could increase if institutional use grows in expensive payment corridors, though stablecoins and CBDCs remain strong rivals. The post-SEC ruling environment has enhanced XRP’s utility narrative, but challenges such as AMM technical hurdles could slow adoption Where Will XRP Be In 5 Years? Price Prediction and … [ 10 ].

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Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.

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