In a video interview with Alenka Grealish, a Senior Analyst at Celent, it was revealed that banking giants, including SWIFT, are embracing the “interesting energy” in the remittance payment solutions provided by crypto currencies, particularly Stellar Lumens (XLM), Ripple (XRP) & a selection of legally-compliant stablecoins.
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Cross-border, inter-bank & intra-bank payments were mentioned as the fields where XLM & XRP’s adoption is actively explored. While this likely goes beyond SWIFT, the top financial conglomerate has previously confirmed only Ripple (XRP) & Hedera Hashgraph (HBAR) for cross-border payment testing, leaving out Stellar (XLM).
How Come XRP & XLM Lead SWIFT’s Adoption Race?
While she specifically mentioned Circle USD (USDC), the Sibos annual financial conference speaker mentioned that running the forefront in compliance will enable the stablecoin to turn the wheel and deliver that highly-anticipated “internet of value”, tokenizing Real World Assets (RWA) in a mainstream-friendly way.
Needless to say, Ripple’s own RLUSD stablecoin also matches these qualifications, but the government-launched CBDCs are the true catalyst of mainstream adoption, Ms. Grealish notes. With Bitcoin (BTC) “failing as a medium of exchange”, the showpiece asset paves the way as a “leader of the new digital asset class”.
That’s when faster & more flexible ISO-20022 compliant Layer-1 chains like Ripple (XRP) or Stellar Lumens (XRP) come into play. When retail investors enter the game, institutional investors typically demand a more sophisticated demand, so new specific decentralized finance (DeFi) apps come to serve that purpose, allowing utility altcoins to keep a strong presence.
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People Also Ask:
It’s the self-reinforcing cycle of ISO 20022 migration, blockchain pilots, and tokenized assets that SWIFT says will power instant, 24/7 global payments by 2026.
Both are native ISO 20022-compliant assets with sub-second settlement, near-zero fees, and proven use in cross-border corridors—ideal for liquidity in SWIFT’s new messaging standard.
SWIFT’s full switch from legacy MT messages to ISO 20022 format, mandatory for all banks by November 2025, enabling richer data and real-time tracking.
No—SWIFT remains the secure messaging layer; XRP and XLM provide on-demand liquidity and final settlement via RippleNet and Stellar rails within the ecosystem.
XRP powers Ripple’s Thunes integration (live with 11,000+ SWIFT banks since Sept 2025); XLM runs MoneyGram’s global remittances and is in multiple CBDC sandbox tests with central banks.
