Focus on Real XRPL Growth
An XRPL validator is calling on the XRP community to stop spreading unverified claims that SWIFT is using or will soon adopt XRP. The validator, known as Vet, says these rumors are a distraction from real progress on the XRP Ledger.
In a post on X, Vet told investors to block influencers who insist SWIFT is already using XRP or will do so in the future. He compared these claims to earlier unverified stories involving the Depository Trust & Clearing Corporation. According to Vet, such narratives hurt the community’s credibility and are unnecessary.
Instead, he urged the community to focus on ongoing developments on the XRPL. These include security upgrades, on-chain lending, stablecoins, foreign exchange capabilities, permissioned domains for compliant trading, and privacy improvements. Vet also pointed out that Ripple and the broader XRPL ecosystem are working to onboard both institutions and consumers, expanding real-world adoption. He argued that building useful infrastructure is far more valuable than relying on unfounded speculation.
XRP Doesn’t Need SWIFT
Responding to Vet’s post, community member CharuSan said XRP’s long-term success does not depend on SWIFT integration. He highlighted Ripple’s existing network of financial institutions as a stronger foundation. CharuSan also mentioned future developments such as AI agents on XRPL, lending protocols, and other ecosystem innovations as better reasons for optimism. He added that XRP could eventually compete with traditional payment networks instead of just operating alongside them.
Former SWIFT Executive Rejected XRP Rumors
The discussion follows comments made on July 10 by former SWIFT Chief Innovation Officer Tom Zschach. He rejected viral claims that SWIFT planned to support XRP. Responding to social media posts that cited an alleged SWIFT document claiming the organization would adopt public digital assets like XRP, Zschach replied simply, “Not happening.” No official SWIFT document or announcement backed those claims.
Zschach’s response is consistent with his long-standing skepticism toward Ripple and XRP. During his time at SWIFT, he questioned XRP’s utility and decentralization, and he also criticized Ripple’s technology.
Despite recurring speculation whenever SWIFT announces blockchain or digital asset initiatives, neither SWIFT nor Ripple has announced any partnership involving XRP. Instead, Ripple executives have said the company is building an alternative to the SWIFT system.
