XRP News Today: XRP Integration with ISO 20022 and SWIFT Demonstrated in Technical Code

Generated by AI AgentCoin World
Thursday, Aug 14, 2025 6:03 am ET1min read
Aime RobotAime Summary

- SMQKE revealed technical evidence of XRP's direct integration with ISO 20022 and SWIFT systems via RippleNet's codebase.

- Code references show XRP payment messaging aligns with global banking standards used by SWIFT-enabled institutions.

- This integration suggests XRP could enable faster, cheaper cross-border transactions within traditional financial infrastructure.

- The technical alignment contrasts with prior debates about XRP Ledger's direct ISO 20022 compliance versus infrastructure compatibility.

A researcher and

XRP
community member known as SMQKE recently presented technical evidence indicating a direct integration between XRP and the ISO 20022 messaging standard, as well as SWIFT systems [1]. In a public social media post, SMQKE shared code from RippleNet’s infrastructure that explicitly references the ISO 20022 ExternalClearingSystemIdentificationCode list. This JSON-based schema includes global clearing system identifiers, aligning RippleNet’s payment messaging with the same framework used by major
financial institutions
[1].

SMQKE emphasized that this is not a conceptual or indirect association but a concrete technical integration embedded in RippleNet’s architecture. By incorporating ISO 20022 code elements, RippleNet is technically aligned with the global standards utilized by banks and SWIFT-enabled institutions [1]. This suggests that XRP could function within the same messaging environment that underpins a large portion of international financial transactions.

Additionally, SMQKE highlighted a section of the R3 Corda codebase that includes modules such as “XrpPayment,” “XrpSettlement,” and “SWIFTService” [1]. The coexistence of these modules within a single system implies that XRP transaction functions and SWIFT services can operate within the same technical environment. This potentially lays the groundwork for interoperability between XRP and traditional banking systems.

SMQKE argued that the integration is significant because it demonstrates XRP’s ability to interact with SWIFT infrastructure [1]. Since SWIFT mandates ISO 20022 compliance for all participants, the presence of XRP-related code in a SWIFT-compatible environment suggests the XRP Ledger is capable of functioning within a standards-compliant global payment framework [1]. This could position XRP as a viable asset for cross-border transactions involving SWIFT-enabled institutions.

The discussion follows earlier debates about XRP’s relationship with ISO 20022 compliance [1]. In a prior report, XRPL validator Vet responded to claims that XRP was the first cryptocurrency to prioritize ISO 20022 compliance. Software engineer Nik Bougalis clarified that while Ripple’s commercial products support ISO 20022 messaging, the XRP Ledger itself is not directly compliant [1]. However, SMQKE’s latest findings focus on the technical architecture, showing that the infrastructure supporting XRP can be fully aligned with global banking standards [1].

This distinction remains crucial but does not undermine the broader technical compatibility demonstrated by SMQKE. The alignment of XRP with ISO 20022 and SWIFT standards could enhance its utility in cross-border payments, potentially reducing settlement times and transaction costs for institutional users [1]. However, the extent of its adoption will depend on regulatory acceptance, operational feasibility, and market demand [1].

Source: [1] Researcher Presents Direct Code Linking XRP to ISO 20022 and SWIFT – (https://timestabloid.com/researcher-presents-direct-code-linking-xrp-to-iso-20022-and-swift/)