Rumors are spreading across X after reports surfaced that executives from SWIFT and Ripple may have held a private lunch in Miami. The rumor, first highlighted on X by XRP analyst Steph, suggested that the two payment giants quietly met to discuss possible collaboration involving XRP.
There has been no official confirmation from either SWIFT or Ripple that such a meeting took place, nor has there been any statement acknowledging partnership talks. Even so, the possibility alone leads to conversations as to whether Ripple and SWIFT could eventually find common ground.
Ripple To Move Forward With SWIFT?
Ripple has positioned itself as a technology company built to modernize cross-border payments, which is a sector that has always been dominated by SWIFT. That competitive posture has led to years of comparisons between the two.Â
Ripple executives, including CEO Brad Garlinghouse, have openly discussed capturing a significant share of the cross-border payments market historically associated with SWIFT. In one conference, Garlinghouse noted that Ripple plans to capture around 14% of SWIFT’s processing volume within the next five years.Â
Rumors are that a private executive luncheon recently took place between Ripple and SWIFT executives in Miami. However, this is not the first time whispers of collaboration between SWIFT and Ripple have circulated on social media. Over the years, social media has repeatedly speculated about potential integrations and transitions to XRP-based liquidity. None of those claims have materialized into a formal partnership announcement.
Nevertheless, the conversation continues to attract attention from industry figures. For instance, business legend Patrick Bet-David publicly stated that he is buying XRP and sees a $100 price target if integration with SWIFT were to happen.
Can SWIFT Integrate With Ripple?
While speaking at the 2025 XRPL Apex Conference, Ripple CEO Brad Garlinghouse stated that the XRP Ledger could capture about 14% of the volume currently processed by SWIFT within five years. However, replacing or even integrating with SWIFT is no small task, given the company is supported by decades of activity in financial institutions. SWIFT was founded in the 1970s and connects thousands of banks worldwide in over 200 countries and territories.
Interestingly, SWIFT itself has acknowledged that blockchain technology has a role to play in the future of global finance. Back in September 2025, the company announced that it is adding a blockchain-based shared ledger to its technology infrastructure.
Ripple, on the other hand, has been working tirelessly with acquisitions and partnerships to increase its footprint within institutional finance and global liquidity corridors. Acquisitions include purchases of Hidden Road and GTreasury. The company is also expanding its reach by onboarding regional banking partners across Asia, the Middle East, and Europe.
The idea of SWIFT integrating with Ripple is not really far-fetched. In theory, SWIFT could continue to handle standardized messaging while also integrating distributed ledger technology for faster settlement.
