Rumors are circulating on X about a possible private lunch in Miami between executives from SWIFT and Ripple. The speculation, initially shared by XRP analyst Steph, suggests the two payment giants met quietly to discuss a potential collaboration involving XRP. Neither SWIFT nor Ripple has officially confirmed such a meeting or acknowledged any partnership talks. Still, the possibility has sparked discussions about whether the two could eventually find common ground.
Could Ripple and SWIFT Move Forward Together?
Ripple has established itself as a technology company aiming to modernize cross-border payments, a sector long dominated by SWIFT. This competitive dynamic has led to years of comparisons between them.
Ripple executives, including CEO Brad Garlinghouse, have openly discussed capturing a significant portion of the cross-border payments market traditionally associated with SWIFT. At one conference, Garlinghouse noted Ripple’s goal to capture about 14% of SWIFT’s processing volume within five years.
While rumors of a private executive lunch in Miami are recent, this isn’t the first time social media has buzzed about potential collaboration between SWIFT and Ripple. Over the years, there has been repeated speculation about possible integrations or a shift to XRP-based liquidity, though none of these claims have led to a formal partnership announcement.
Nevertheless, the topic continues to draw attention from notable figures. For example, business personality Patrick Bet-David has publicly stated he is buying XRP and sees a $100 price target if integration with SWIFT were to occur.
Is Integration Between SWIFT and Ripple Possible?
Speaking at the 2025 XRPL Apex Conference, Ripple CEO Brad Garlinghouse reiterated the goal for the XRP Ledger to capture roughly 14% of the volume currently handled by SWIFT within five years. However, replacing or integrating with SWIFT is a significant challenge, given SWIFT’s decades-long presence and deep connections within financial institutions.
Founded in the 1970s, SWIFT connects thousands of banks across more than 200 countries and territories. Interestingly, SWIFT itself has acknowledged that blockchain technology will play a role in the future of global finance. In September 2025, the company announced it was adding a blockchain-based shared ledger to its technology infrastructure.
Meanwhile, Ripple has been actively working through acquisitions and partnerships to expand its footprint in institutional finance and global liquidity corridors. Recent acquisitions include Hidden Road and GTreasury. The company is also broadening its reach by onboarding regional banking partners across Asia, the Middle East, and Europe.
The idea of SWIFT integrating with Ripple isn’t far-fetched. In theory, SWIFT could continue handling standardized messaging while integrating distributed ledger technology for faster settlement.
Frequently Asked Questions
FAQs SWIFT XRP and Rumored Private Talks
Beginner Questions
1 What is SWIFT
SWIFT is a global messaging network that banks and financial institutions use to securely send information and instructions for crossborder payments It doesnt move money itself it sends payment orders
2 What is XRP
XRP is a digital asset and the native cryptocurrency of the XRP Ledger a blockchain designed for fast and lowcost financial transactions Its often used as a bridge currency to facilitate international money transfers
3 What does SWIFT Ready To Advance With XRP mean
This phrase refers to ongoing rumors and speculation that SWIFT is exploring or privately discussing the potential integration of XRP or its underlying technology to modernize and speed up its crossborder payment services
4 Why would SWIFT be interested in XRP
SWIFTs current system can be slow and expensive for some corridors XRPs technology promises settlements in 35 seconds at a very low cost which could help SWIFT offer faster cheaper services to its members
Intermediate Advanced Questions
5 Is SWIFT officially partnering with or using XRP
No As of now there is no official partnership or integration announced by SWIFT The discussions are based on rumors analyst reports and industry speculation SWIFT has been experimenting with various blockchain technologies but nothing specific to XRP has been confirmed
6 Where did these rumors come from
Rumors have circulated for years often fueled by
Analysts reports and industry insiders suggesting private talks
SWIFTs own innovation initiatives exploring distributed ledger technology
The logical fit between XRPs use case and SWIFTs challenges
7 What are the potential benefits if such a collaboration happened
Faster Settlements Payments could be completed in seconds instead of days
Lower Costs Significant reduction in liquidity and foreign exchange fees
Increased Transparency Realtime tracking of payment status
Modernization SWIFT could maintain its central role in a blockchaindriven financial world
8 What are the major hurdles or problems with this idea