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RippleNet’s code directly references ISO 20022 clearing system identifiers.
XRP and SWIFT modules coexist in R3 Corda, signaling technical compatibility.
Infrastructure aligns XRP solutions with global banking standards, enabling smoother adoption.
A recent tweet from prominent XRP community member SMQKE has drawn attention to technical code linking RippleNet to ISO 20022 messaging standards and SWIFT systems. SMQKE shared screenshots of RippleNet’s “Payment Object – Supporting Information Schema,” revealing an “externalclearingsystem” definition explicitly referencing the ISO 20022 ExternalClearingSystemIdentificationCode list.
If you want to see direct code linking XRP to ISO 20022 and SWIFT, here it is:
— SMQKE (@SMQKEDQG) August 12, 2025
• RippleNet’s Payment schema directly references the ISO 20022 ExternalClearingSystemIdentificationCode list — proof XRP’s infrastructure is built on ISO 20022 standards. ✅
• R3 Corda’s codebase… pic.twitter.com/hazbPh51zm
This integration demonstrates that RippleNet’s payment architecture is not just conceptually aligned but technically built on globally recognized banking messaging standards. By using ISO 20022 identifiers, RippleNet can interface directly with international banks and payment providers.
XRP and SWIFT Functions Coexisting in R3 Corda
SMQKE also highlighted code from R3 Corda’s finance module, which shows XRP-related modules such as “XrpPayment” and “XrpSettlement” alongside SWIFT-specific modules including “SWIFTService” and “SWIFTPaymentStatusType.”
The co-location of these modules implies that the coin transaction functions and SWIFT messaging can coexist in the same technical environment. Since SWIFT mandates ISO 20022 compliance for all participants, this coding setup positions XRP to potentially interact and settle transactions with any SWIFT-enabled institution.
Why This Matters for Global Payments
According to SMQKE, the presence of ISO 20022-based schema elements and combined XRP-SWIFT modules signals that XRP infrastructure is designed for standards-compliant global payments. While XRP as a digital asset may not itself be ISO 20022 compliant, RippleNet and related software architecture are structured to integrate seamlessly with traditional banking infrastructure.
Also Read: Chainlink vs. XRP: How High LINK Must Rise to Surpass XRP’s $194B Market Cap
This reinforces earlier discussions in the crypto community regarding XRP’s readiness for global financial networks. It also highlights the technical groundwork that allows Ripple’s solutions to operate alongside established banking standards, potentially reducing barriers to adoption.
XRP’s Strategic Positioning
SMQKE’s evidence underscores Ripple’s proactive approach to global financial integration. By embedding ISO 20022 compliance within RippleNet and ensuring technical compatibility with SWIFT platforms, XRP infrastructure is strategically positioned to support cross-border transactions in line with the world’s banking standards.
Disclaimer: The information in this article is for general purposes only and does not constitute financial advice. The author’s views are personal and may not reflect the views of Chain Affairs. Before making any investment decisions, you should always conduct your own research. Chain Affairs is not responsible for any financial losses
I’m your translator between the financial Old World and the new frontier of crypto. After a career demystifying economics and markets, I enjoy elucidating crypto – from investment risks to earth-shaking potential. Let’s explore!
