Crypto researcher SMQKE has outlined how Ripple is applying XRP to convert traditional SWIFT messages into real-time, ISO 20022-compliant transactions. According to SMQKE, SWIFT messages function much like one-way emails, meaning transactions cannot be fully settled until each party has manually screened them. This separation between messaging and settlement introduces delays and additional administrative steps. Ripple’s system addresses this by synchronizing the messaging flow that covers the transaction information, status updates, and related data, with the actual movement of value through XRP. This ensures that communication and settlement occur simultaneously, linking confirmation to the actual execution of the transfer. Instant Connectivity and Deterministic Outcomes The documentation referenced by SMQKE explains that Ripple’s approach enables banks to connect within milliseconds, allowing settlements to either succeed or fail in real time. This removes the uncertainty present in traditional cross-border payments, where messages often pass through multiple intermediaries before funds are cleared. By aligning the transmission of payment instructions with the actual transfer of funds, Ripple creates a process in which settlement status is immediately clear, eliminating the need for separate reconciliation after the fact. HOW RIPPLE IS USING XRP TO TRANSFORM SWIFT MESSAGES INTO REAL-TIME ISO 20022 COMPLIANT TRANSACTIONS SWIFT messages are traditionally one-way, much like emails. This means transactions cannot be fully settled until each party has manually screened them. Ripple improves… pic.twitter.com/IG8jpXVDrW — SMQKE (@SMQKEDQG) August 14, 2025 Integration With Existing Banking Infrastructure SMQKE points out that Ripple integrates directly with a bank’s existing databases and ledgers. This integration enables a faster, two-way communication protocol compared to SWIFT’s one-directional message flow. Through this approach, banks exchange updates and confirmations as value moves, providing both real-time transparency and operational efficiency. The ability to integrate without requiring a complete overhaul of internal systems is presented as a key advantage for financial institutions considering adoption. Liquidity Provision and Settlement in Seconds The tweet highlights the role of XRP in enabling immediate liquidity on both sides of a transaction. By synchronizing message transmission and value transfer, Ripple’s system allows counterparties to settle in seconds. This reduces the reliance on pre-funded nostro accounts and supports just-in-time liquidity, which can lower capital requirements for participating banks. The use of XRP as a bridge asset is central to achieving these settlement speeds while maintaining the ability to operate across multiple fiat currencies. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 ISO 20022 Compliance and Global Interoperability SMQKE emphasizes that Ripple’s technology is ISO 20022 compliant, ensuring that payment messages contain all required transaction data while remaining interoperable across different banking systems worldwide. This compliance is important for institutions seeking to maintain compatibility with the SWIFT network and other ISO 20022-enabled systems. It also positions Ripple as a standards-aligned solution capable of fitting into existing regulatory and operational frameworks without sacrificing speed or functionality. Market Recognition and Technological Positioning The referenced documentation describes Ripple as “the most advanced startup in this field,” underscoring its dual focus on blockchain settlement and financial messaging. By combining these two components into a single, integrated process, Ripple provides a framework that can meet modern demands for speed, transparency, and compliance in cross-border payments. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post How Ripple Uses XRP to Transform SWIFT Messages appeared first on Times Tabloid .
