SWIFT Ready To Move Forward With XRP? Rumors Swirl Of Private Meeting

Rumors are spreading throughout X after reviews surfaced that executives from SWIFT and Ripple might have held a non-public lunch in Miami. The rumor, first highlighted on X by XRP analyst Steph, prompt that the 2 fee giants quietly met to debate potential collaboration involving XRP.

There has been no official affirmation from both SWIFT or Ripple that such a gathering occurred, nor has there been any assertion acknowledging partnership talks. Even so, the chance alone results in conversations as as to whether Ripple and SWIFT may finally discover frequent floor.

Ripple To Move Forward With SWIFT?

Ripple has positioned itself as a know-how firm constructed to modernize cross-border funds, which is a sector that has all the time been dominated by SWIFT. That aggressive posture has led to years of comparisons between the two. 

Ripple executives, together with CEO Brad Garlinghouse, have openly discussed capturing a big share of the cross-border funds market traditionally related to SWIFT.  In one convention, Garlinghouse famous that Ripple plans to seize round 14% of SWIFT’s processing quantity throughout the subsequent 5 years. 

Rumors are that a non-public government luncheon lately occurred between Ripple and SWIFT executives in Miami. However, this isn’t the primary time whispers of collaboration between SWIFT and Ripple have circulated on social media. Over the years, social media has repeatedly speculated about potential integrations and transitions to XRP-based liquidity. None of these claims have materialized into a proper partnership announcement.

Nevertheless, the dialog continues to draw consideration from business figures. For occasion, enterprise legend Patrick Bet-David publicly stated that he’s shopping for XRP and sees a $100 worth goal if integration with SWIFT have been to occur.

Can SWIFT Integrate With Ripple?

While speaking at the 2025 XRPL Apex Conference, Ripple CEO Brad Garlinghouse said that the XRP Ledger may seize about 14% of the amount at present processed by SWIFT inside 5 years. However, changing and even integrating with SWIFT isn’t any small job, given the corporate is supported by a long time of exercise in monetary establishments. SWIFT was based within the Seventies and connects 1000’s of banks worldwide in over 200 nations and territories.

Interestingly, SWIFT itself has acknowledged that blockchain know-how has a task to play in the way forward for world finance. Back in September 2025, the company announced that it’s including a blockchain-based shared ledger to its know-how infrastructure.

Ripple, however, has been working tirelessly with acquisitions and partnerships to extend its footprint inside institutional finance and world liquidity corridors. Acquisitions include purchases of Hidden Road and GTreasury. The firm can be increasing its attain by onboarding regional banking partners across Asia, the Middle East, and Europe.

The concept of SWIFT integrating with Ripple is not really far-fetched. In principle, SWIFT may proceed to deal with standardized messaging whereas additionally integrating distributed ledger know-how for sooner settlement.