Reports have surfaced that SWIFT and Ripple executives may have had a private lunch in Miami, and rumors are spreading throughout Company X. The rumor is The first thing highlighted in X was XRP analyst Steph suggested that the two payment giants will secretly meet to discuss possible cooperation on XRP.
There has been no official confirmation from either SWIFT or Ripple that such a meeting took place, nor has there been any statement confirming partnership talks. Still, that possibility alone leads to a discussion about whether Ripple and SWIFT could eventually find common ground.
Will Ripple advance SWIFT?
Ripple is positioning itself as a technology company built to modernize cross-border payments, an area that has always been dominated by SWIFT. That competitive attitude A comparison between the two over the years.
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Ripple executives, including CEO Brad Garlinghouse, We talked openly about the capture. A large share of the cross-border payments market has historically been associated with SWIFT. Garlinghouse noted at a conference that Ripple plans to capture about 14% of SWIFT’s processing capacity within the next five years.
Rumors are A private executive luncheon was recently held in Miami between Ripple and Swift executives. However, this is not the first time rumors of SWIFT and Ripple cooperation have spread on social media. Over the years, there has been repeated speculation on social media about a possible integration or transition to XRP-based liquidity. None of these claims have led to a formal partnership announcement.
Nevertheless, this conversation continues to garner attention from industry participants. For example, business legend Patrick Bett David publicly stated He is buying XRP and believes the target price would be $100 if the integration with SWIFT happens.
Can SWIFT integrate with Ripple?
While talking at At the 2025 XRPL Apex conference, Ripple CEO Brad Garlinghouse said that the XRP Ledger could capture about 14% of the volume currently processed by SWIFT within five years. However, replacing or integrating with SWIFT will not be an easy task, given that the company is backed by decades of financial institution activity. SWIFT was founded in the 1970s and connects thousands of banks around the world in more than 200 countries and territories.
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Interestingly, SWIFT itself acknowledges that blockchain technology has a role to play in the future of global finance. Fast forward to September 2025. the company announced The company is adding a blockchain-based shared ledger to its technology infrastructure.
Meanwhile, Ripple has been aggressively pursuing acquisitions and partnerships to expand its footprint within institutional finance and global liquidity corridors. The acquisition includes the purchase of Hidden Road and G Treasury. The company is also expanding its reach in the following ways: Regional bank partner onboarding Asia, Middle East, Europe.
The idea of integrating SWIFT and Ripple That’s not that far-fetched. In theory, SWIFT could also integrate distributed ledger technology for faster payments while still handling standardized messaging.
Featured image from Adobe Stock, chart from Tradingview.com
