Ripple: The Silent SWIFT Partner Building a Super-Highway

The routing of traditional finance has been changed forever, coming along with the tokenization push. With SWIFT’s recent implementation of the ISO 20022 global messaging standard, compliance-first DLT blockchains received a considerable advantage in terms of banking adoption.

For Ripple’s XRP chain, the 300 banking partnerships have opened doors to institutional levels, while the currently negotiable Clarity Act in Washington could amplify these efforts. Lately, SWIFT has added Pay-to-Bank and Pay-to-Stablecoin services provided by Thunes, a fintech startup that’s providing federal-grade crypto custody services.

“The Smart Super-Highway Of Money”

Interestingly, Thunes has been backed by Ripple, the parent company of XRP, ever since 2020. This enables direct XRP exposure for SWIFT payments via the Ripple Payments / On-Demand Liquidity (ODL) protocol. Currently, XRP coin serves as the optional bridge asset, meaning that RLUSD or other select stablecoins can also be chosen.

In an official press release from last week, SWIFT called their Thunes partnership for stablecoin pilots a “smart super-highway” of global finance. Certainly, SWIFT’s representatives have been vocal about adding a blockchain-based ledger ever since testing HBAR & XRP on SWIFT rails late last year. The top European financial conglomerate hasn’t picked one lucky winner.

They chose international cooperation & connectivity, piloting a crypto integration programme across 30 SWIFT-compliant major banks across the globe. One of them is HSBC, a top British bank that’s been on XRP’s radar ever since Ripple Labs acquired Metaco – a custody solution providing FX, tokenized assets & crypto payment services for enterprises, including HSBC.

XRP’s Show-&-Prove Approach On SWIFT

This strengthens the narrative of Ripple’s On-Demand Liquidity (ODL) actively being used on SWIFT-related platforms, including Ripple’s Interledger Protocol (ILP). A few months back, Ripple’s CEO Brad Garlinghouse forecasted a 14% grab of the current annualized trading volume on SWIFT, which surpasses $155 trillion according to last year’s estimates.

With Ripple’s own stablecoin recently breaching a $1.55 billion record in market capitalization, XRP’s status as a bridge asset in this bi-fold SWIFT adoption model could be relatively stronger due to higher trading volumes. XRP’s usage in cross-border ventures is evident in the $5B daily trading volumes at fractions of a cent – a goal SWIFT targeted since 2024.

Dig into DailyCoin’s trending crypto scoops right now:
97% of DeFi Projects Fail to Generate Revenue, Data Shows
Cardano Founder Entertains ‘True Tinder’ Idea On-Chain

People Also Ask:

What’s the “Silent SWIFT Partner” story with Ripple? Ripple isn’t shouting from the rooftops with a direct SWIFT deal, but it’s quietly connected through its long-time partner Thunes.

How does Thunes Link Ripple (XRP) to SWIFT? In September 2025, Thunes and Ripple expanded their partnership (originally from 2020) to integrate Ripple Payments into Thunes’ global network.

Why is this called a “Super-Highway”? Thunes calls itself the “Smart Superhighway” because it bridges old-school banking (SWIFT) with modern blockchain rails (Ripple).

What does this mean for cross-border payments & XRP? It creates an optional “on-ramp” for banks: SWIFT → Thunes → Ripple Payments → XRP coin (or RLUSD) for instant settlement.

DailyCoin’s Vibe Check: Which way are you leaning towards after reading this article?

Bullish Bearish Neutral

Market Sentiment

100% Bullish