Ripple (XRP) Can Exchange Payment Instructions With SWIFT Via This Means

Industry timelines rarely attract general attention. Yet, specific deadlines can reshape how financial institutions operate.

A recent post by crypto researcher SMQKE highlighted one such development, pointing to a mandatory shift that will influence how global payment instructions are transmitted and validated.

His remarks examine the intersection of the ISO 20022 migration and Ripple’s existing integration with Earthport, outlining why this combination may hold implications for XRP usage within cross-border payment flows.

ISO 20022 Deadline and Its Requirements

According to the material referenced in the post, payment instructions across the financial industry are required to transition to ISO 20022 by November 2025. The accompanying documentation stresses that all institutions responsible for sending or receiving payment instructions must adopt the ISO 20022 standard by the date.

It further explains that non-compliant MT messages within certain networks may be automatically rejected, ensuring that intermediaries and receiving banks accept only ISO 20022-formatted instructions. The stated goal is to improve end-to-end interoperability, accuracy, and standardization across payment market infrastructures.

This transition is positioned as a compulsory industry shift rather than an optional upgrade. The emphasis from the document is clear: the entire ecosystem must reinforce efforts to complete the switch before the deadline to maintain uninterrupted settlement processes.

Ripple, Earthport, and Payment Instruction Exchange

SMQKE highlights that Ripple, through its Earthport integration, is capable of exchanging payment instructions with SWIFT users.

The images included show Earthport’s role as a connectivity layer between institutions, enabling the forwarding, receiving, and processing of payment messages through APIs, file transfers, and established reporting systems.

This connection gives RippleNet participants a pathway to interface with institutions still operating within SWIFT’s frameworks while adopting enhanced messaging formats.

The researcher’s post ties this capability directly to the concept of “payment instructions” within Ripple’s system. The second image outlines how Ripple’s solution routes fiat-to-fiat transfers, using XRP as a bridging asset.

In this model, a sending institution purchases XRP, the asset is transferred, and the receiving institution converts it back into local currency. The diagram emphasizes that the beneficiary receives funds immediately with full traceability, reflecting Ripple’s focus on real-time settlement.

Implications for XRP Use

SMQKE’s point is that Ripple’s participation in the ISO 20022-aligned messaging environment, combined with its connectivity through Earthport, may support scenarios where payment instructions processed on Ripple’s system involve XRP as part of the transaction workflow.

His post frames this as a direct connection between compliance with the new messaging standard and the continued functional use of XRP within Ripple’s cross-border payment model.

While the November 2025 deadline concerns message formats rather than specific assets, the researcher’s interpretation suggests that Ripple is positioned to operate within the modernized global standard while offering the liquidity advantages tied to XRP.