SWIFT Ready to Move Forward with XRP? Rumors Swirl of a Private Meeting
Rumors spread throughout X after reports surfaced that SWIFT and Ripple executives may have had a private lunch in Miami. rumours, first highlighted in X is XRP analyst Steph, suggested that the two payment giants meet quietly to discuss a possible partnership involving XRP.
There has been no official confirmation from SWIFT or Ripple that such a meeting has taken place, nor has there been any statement acknowledging the collaboration talks. However, the possibility alone leads to discussions about whether Ripple and SWIFT can achieve the same thing.
Ripple Moving Forward With SWIFT?
Ripple has positioned itself as a technology company built to modernize cross-border payments, a sector that has been dominated by SWIFT. That competitive nature led years of comparison between the two.
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Ripple executives, including CEO Brad Garlinghouse, talk openly about photography a significant part of the cross-border payments market has historically been associated with SWIFT. At another conference, Garlinghouse noted that Ripple plans to capture about 14% of SWIFT’s processing volume within the next five years.
Such are the rumours A private luncheon recently took place between Ripple and SWIFT executives in Miami. However, this is not the first time that rumors of a partnership between SWIFT and Ripple have spread on social media. Over the years, social media has repeatedly speculated about a possible merger and change in XRP-based liquidity. None of those claims have been an official announcement of the partnership.
Nevertheless, the discussion continues to attract the attention of industry figures. For example, business legend Patrick Bet-David he made that clear you buy XRP and see a price of $100 if integration with SWIFT was possible.
Can SWIFT integrate with Ripple?
While speaking at At the 2025 XRPL Apex Conference, Ripple CEO Brad Garlinghouse said that the XRP Ledger could take about 14% of the volume currently processed by SWIFT within five years. However, replacing or integrating with SWIFT is no small task, as the company is backed by decades of work in financial institutions. SWIFT was founded in the 1970s and connects thousands of banks worldwide in more than 200 countries and regions.
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Interestingly, SWIFT itself has acknowledged that blockchain technology has a role to play in the future of global finance. Back in September 2025, the company announced that it is adding a blockchain-based distributed ledger to its technology infrastructure.
Ripple, on the other hand, has been working tirelessly through acquisitions and partnerships to expand its footprint within institutional funds and global financial channels. Receivables include the purchase of Hidden Road and GTreasury. The company is also expanding its reach with onboarding our banking partners across the region Asia, the Middle East, and Europe.
SWIFT concept to integrate with Ripple it’s not really far. In theory, SWIFT could continue to handle standardized messages while incorporating distributed ledger technology for faster processing.
Featured image from Adobe Stock, chart from Tradingview.com
