XRP Ledger connects with SWIFT through Gatehub, new documentation confirms.

In a recent post, cryptocurrency researcher SMQKE confirmed that value transfer between XRP Ledger (XRPL) and SWIFT is operational through GateHub. The tweet stating "XRPL —> SWIFT via Gatehub confirmed" indicates a long-suspected functional link within the digital asset ecosystem. This statement is accompanied by two images: one image depicts a technical diagram from a research publication by Purdue University showing GateHub as a node in the Ripple credit network, and the other image shows the announcement of the partnership between XRPL Labs and GateHub. This development further clarifies GateHub's role in enabling the interoperability between fiat currency and cryptocurrency through XRPL.

The role of GateHub in the interoperability of the XRP Ledger GateHub, one of the first gateways built on the XRP Ledger, has expanded its utility by supporting money transfers across major networks, including SEPA, SWIFT, Bitcoin, and Ethereum. This infrastructure allows users to send and receive fiat currency directly through the XRPL wallet, providing real liquidity pathways. According to the announcement published on GateHub's website, the collaboration with XRPL Labs ( developer Xumm) facilitates the onboarding and offboarding of 14 digital assets. This positions XRPL as a payment layer that directly interfaces with global financial networks. The CEO of Ripple highlights the competitive advantages of XRPL. This update comes right after comments made by Ripple CEO Brad Garlinghouse at the XRPL Apex 2025 event in Singapore. At the event, Garlinghouse predicted that XRPL could handle up to 14% of SWIFT's global transaction volume within the next five years. He argued that the future of cross-border payments depends less on messaging protocols and more on the actual movement of liquidity. Garlinghouse stated that XRP is designed to provide exactly this, citing its speed and utility in facilitating real-time payments. He emphasized that while SWIFT is a messaging layer, XRPL, coupled with XRP, functions as a liquidity and payment layer. Technical infrastructure and on-chain evidence Garlinghouse's comments were made during a Q&A session, where Ripple's CTO David Schwartz was also present. The CEO reiterated that XRP was created to improve old systems that are often slow, costly, and opaque. He noted that the XRPL can support batch payment functions, foreign exchange, and real-time remittances on-chain. New developments related to GateHub now illustrate the tangible connection between the XRP ecosystem and SWIFT-compatible activities. The technical image shared by SMQKE shows that GateHub is a node providing a credit link between multiple users, including a node directly linked to values calculated in fiat currency. This reinforces the role of GateHub as an intermediary for the exchange of fiat-currency to cryptocurrency through the XRP Ledger. Another image features content from the GateHub website, confirming direct integration with networks such as SWIFT. Ripple's long-term vision As Ripple continues to expand its business partnerships, including the recent push into stablecoins with RLUSD, confirmation of direct interoperability with SWIFT through GateHub aligns with Ripple's strategic positioning of XRPL as a central infrastructure for global payments. SMQKE's Twitter post focuses on this architecture by introducing both the theoretical components and applications of the XRP-based payment network. The evidence presented confirms Ripple's stated ambition to integrate with traditional financial systems while providing an alternative solution to outdated payment rails. With both the existing technical infrastructure and active partnerships, the role of XRPL in cross-border finance seems to be strengthening.