Quick overview

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Ripple integration with Finastra grants access to 11,000 financial institutions connected via SWIFT. Currently, Finastra’s payments hub handles around $5 trillion in cross-border transactions daily and connects with many institutions.

A large part of SWIFT’s member banks could immediately reach RippleNet through an indirect route if routed via that middleware. Finastra, a global payments company trusted by thousands of banks, has publicly available documents showing its hub can process payments through alternative channels such as RippleNet or SWIFT messaging.

SWIFT has not outright rejected blockchain; in 2025, it conducted pilots with XRP Ledger. These tests explored how tokenized settlement might enhance data richness and speed.

SWIFT underpins trust and dispute resolution among 11,000 institutions. Any major rerouting of bank liquidity to public token rails requires custodial models, settlement finality, and regulatory approval that banks and regulators accept. SWIFT’s statements emphasize the need for neutrality and a legal framework for significant change.

The network handles vast transaction volumes annually, and a small shift to tokenized settlement could channel hundreds of billions or more through on-chain rails, based on industry estimates.

The infrastructure enabling Ripple to connect token rails and traditional messaging systems is progressing both technically and practically. Without forcing banks to abandon SWIFT, a Finastra integration offers Ripple a viable route to tens of thousands of bank endpoints.