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SWIFT’s Newest Announcement Raises Questions About Ripple’s XRPL Blockchain

December 16, 2025
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Crypto pundit Chain Cartel has raised a number of key factors following SWIFT’s newest touch upon its transfer to undertake blockchain expertise. The pundit claimed that Ripple’s XRPL community most accurately fits what SWIFT is attempting to attain and recommended that the 2 corporations collaborate. 

Pundit Factors To Ripple’s XRPL After SWIFT’s Announcement

In an X put up, Chain Cartel said that SWIFT admitted they’re constructing Ripple’s XRPL community, however didn’t explicitly say so of their announcement. The pundit was referring to an X put up from SWIFT highlighting their earlier announcement so as to add a blockchain-based ledger to their infrastructure.

The pundit defined that SWIFT’s language within the X put up means that they wish to construct one thing like Ripple’s XRPL. He declared that it’s not Bitcoin, Ethereum, or any generic blockchain experiment however exactly what Ripple has been constructing for a decade. Chain Cartel famous that Ripple’s mannequin has all the time been a impartial settlement layer, real-time atomic finality, shared ledger visibility for establishments, interoperability with legacy rails, and liquidity-first design. 

Chain Cartel then alluded to SWIFT’s assertion about its plans to construct a blockchain-based ledger to be included in its fee infrastructure and supply a single supply of fact, enabling prompt, 24/7 cross-border funds. He declared that that is Ripple’s blueprints with the XRPL, because the crypto agency makes use of the community for its fee companies. 

Consistent with this, the pundit remarked that SWIFT doesn’t change rails, however as an alternative coordinates them, and that Ripple doesn’t change banks, however as an alternative connects them. He added that SWIFT is acknowledging that the long run fee stack requires a ledger layer, not simply messaging, and that the one mannequin already battle-tested at scale is Ripple’s XRPL.

Nonetheless, it’s value mentioning that SWIFT doesn’t plan to combine Ripple’s Ledger. As a substitute, it’s constructing this blockchain-based ledger in partnership with Consensys and Chainlink. As such, though SWIFT could plan to construct a community much like Ripple’s XRPL, it intends to take action with out help from the crypto agency. 

Ripple Wanting To Develop Its Cost Service

Ripple is trying to broaden its fee service, because it lately introduced plans to start testing its RLUSD stablecoin on Ethereum layer-2 networks Base, Ink, Optimism, and Unichain. The transfer comes simply days after the OCC granted Ripple a conditional approval to develop into a financial institution, which can also be a serious enhance for the agency’s fee service. 

Ripple plans to broaden its RLUSD stablecoin past the Ethereum and XRPL networks to those layer-2 networks by means of its partnership with Wormhole. The agency famous that the way forward for crypto is multichain, which is why it’s adopting this technique. This transfer offers Ripple’s shoppers larger choices when utilizing the RLUSD stablecoin, and it might additionally entice new customers to the stablecoin, which is at the moment one of many fastest-growing stablecoins. 

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XRP buying and selling at $1.87 on the 1D chart | Supply: XRPUSDT on Tradingview.com

Featured picture from Getty Photographs, chart from Tradingview.com

Editorial Course of for bitcoinist is centered on delivering totally researched, correct, and unbiased content material. We uphold strict sourcing requirements, and every web page undergoes diligent evaluate by our workforce of prime expertise specialists and seasoned editors. This course of ensures the integrity, relevance, and worth of our content material for our readers.



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