Crypto researcher SMQKE has referenced prior blockchain trials conducted by the global financial messaging network SWIFT, stating that Ripple and Stellar have already passed an important evaluation stage. In a recent post on X, SMQKE wrote, “Ripple and Stellar have already undergone testing by SWIFT. XRP + XLM SWIFT. Now, it’s time for their live integrations.” The statement presents a direct argument that previous testing should lead to real-world implementation. SMQKE describes the development as a progression rather than a possibility, indicating that institutional experimentation has already established a foundation for potential deployment. The post also referenced a message shared in February, in which SMQKE asserted that a SWIFT webinar confirmed Ripple and Stellar were among the blockchain platforms examined during initial experimentation phases. Ripple and Stellar have already undergone testing by SWIFT. XRP + XLM SWIFT Now, it’s time for their live integrations. https://t.co/5B5pjYzySJ — SMQKE (@SMQKEDQG) March 23, 2026 SWIFT Webinar Confirms Scope of Blockchain Trials To support the claim, SMQKE included a video excerpt from a SWIFT-hosted webinar. In the clip, a speaker explained that between 45 and 50 commercial banks participated in early blockchain research efforts around 2015. The speaker stated that the initiative explored the potential role of blockchain technology within financial systems. According to the webinar, those early evaluations included networks such as Bitcoin , Ethereum, Stellar, and Ripple, along with other available blockchain solutions at the time. The speaker added that these efforts were part of early projects, including one referred to as Project Genesis, and described the period as one of strong institutional interest in distributed ledger technology. This information aligns with SMQKE’s position that Ripple and Stellar were actively assessed within a structured environment involving multiple financial institutions coordinated by SWIFT. Community Response Raises Regulatory Considerations The post also prompted a detailed response from X user Neil Moonstrong, who questioned whether past experimentation should be interpreted as a signal for present-day adoption. In his reply on X, Moonstrong argued that the testing cited by SMQKE took place during a period when regulatory frameworks were less developed. He stated that blockchain systems are now evaluated based on factors such as validator control, consensus structure, and the concentration of risk. According to Moonstrong, these considerations have become more significant as regulatory oversight has increased. Moonstrong raised specific concerns regarding Stellar’s consensus model, explaining that quorum slices may appear decentralized but can concentrate trust within a limited set of validators. He argued that this structure could create exposure to regulatory pressure, describing it as a form of regulatory capture risk. He concluded by stating that “testing ≠ adoption,” emphasizing that the regulatory environment has changed significantly since the initial experimentation phase. Debate Reflects Diverging Interpretations of Blockchain Readiness The exchange between SMQKE and Moonstrong presents two contrasting interpretations of the same historical developments. SMQKE views early SWIFT testing as a completed validation phase that supports immediate progression toward integration. In contrast, Moonstrong considers those experiments as preliminary steps that do not reflect current regulatory and institutional requirements. The discussion on X continues to focus on whether early institutional trials can be used as a reliable basis for modern adoption decisions, particularly in a financial system that now places greater emphasis on regulatory clarity and risk management. 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. The post Researcher: SWIFT Has Already Tested Ripple (XRP) and Stellar (XLM) appeared first on Times Tabloid .
