XRP News Today: SWIFT Digital Trials Put XRP and HBAR in Spotlight for Blockchain Integration

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SWIFT’s ongoing digital asset trials, now in a live phase, have confirmed that Ripple’s XRP will directly benefit from the global financial messaging network’s transition to the ISO 20022 standard and its broader digital transformation efforts [1]. This confirmation comes from social media posts and referenced documentation from Vanir Assets, which details SWIFT’s initiative to bridge traditional banking systems with blockchain-based assets [2]. The documents highlight that XRP, alongside Hedera Hashgraph’s HBAR, is explicitly named as a potential beneficiary, suggesting a strategic alignment between SWIFT’s evolving infrastructure and digital asset protocols [3].

The referenced document explains that SWIFT is working with over 11,500 financial institutions to create a new framework where digital assets, including stablecoins and tokenized currencies, can be integrated into existing settlement systems [2]. The next phase of the project involves real-world implementation with banking partners across North America, Europe, and Asia. Participating banks will gain access to digital wallets that allow them to send tokenized cash and process payments using a system that resembles blockchain architecture [2]. Key features include transaction costs similar to gas fees, shared pricing data, and token-based tracking—mechanisms that improve transparency and reduce operational inefficiencies [3].

SWIFT’s migration to the ISO 20022 standard is another critical component of this transition. The standard enhances the richness and usability of financial data, enabling more detailed and standardized messages across global transactions [2]. By aligning with ISO 20022, SWIFT is positioning itself as a central hub that connects traditional fiat transactions with digital asset networks. This development is particularly relevant for XRP, which already operates with fast settlement times and low costs, making it a natural fit for cross-border use cases [3].

SMQKE, a digital asset researcher, has emphasized that the inclusion of XRP and HBAR in the documentation is not speculative but explicitly documented and verified [1]. This clarity is significant, as it removes much of the uncertainty surrounding SWIFT’s stance on digital assets. The researcher argues that this alignment supports the broader adoption of XRP in institutional settings, particularly in cross-border transactions where speed and cost-efficiency are critical [1]. The move also reinforces Ripple’s position as a key player in the evolution of global payment systems [3].

While SWIFT and Ripple have not yet provided official timelines or details on implementation, the ongoing trials signal a shift in how traditional financial institutions view digital assets. Ripple has previously faced regulatory scrutiny, but its continued engagement with SWIFT and major banks suggests growing institutional confidence in its technology [3]. Analysts have long pointed out that XRP’s pre-mined supply and rapid settlement times make it well-suited for institutional use, and this latest development adds further credibility to that view [2].

The broader implications for the crypto market are also worth noting. XRP’s inclusion in SWIFT trials could attract new investors and institutional buyers who are looking for digital assets with clear use cases in real-world financial systems [1]. This increased relevance may also strengthen XRP’s competitive position against other digital assets vying for a role in global finance [2]. As the industry continues to evolve, XRP’s integration into SWIFT’s infrastructure highlights the growing legitimacy of blockchain-based solutions in traditional finance [3].

Source:

[1] X. (n.d.). CONFIRMED: XRP AND HBAR WILL DIRECTLY BENEFIT FROM SWIFT'S LIVE DIGITAL ASSET TRIALS. https://x.com/SMQKEDQG/status/1957943492615045446

[2] X. (n.d.). Digital Perspectives. https://x.com/DigPerspectives/status/1957959603104395447

[3] CoinCentral. (2025, August 18). XRP Army Eyes SWIFT Executive's Cryptic Response to Ripple Acquisition. https://coincentral.com/best-crypto-coins-to-buy-blockdag-ethereum-solana-chainlink/