Researcher Presents Direct Code Linking XRP to ISO 20022 and SWIFT

A recent tweet from prominent XRP community member SMQKE has drawn attention to specific code linking XRP’s infrastructure to both the ISO 20022 messaging standard and SWIFT systems.

The enum values listed in the code represent various clearing system identifiers from around the world, directly tying RippleNet’s payment structure to the ISO 20022 framework.

SMQKE emphasized that this is not a conceptual or indirect association but rather a technical integration within RippleNet’s architecture. By building the schema on ISO 20022’s ExternalClearingSystemIdentificationCode list, RippleNet aligns its payment messaging standards with the same framework used globally by banks, payment providers, and SWIFT-enabled institutions.

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Integration of XRP and SWIFT Functions in R3 Corda Codebase

The second screenshot SMQKE shared comes from R3 Corda’s finance module codebase. In this section, multiple import statements are visible, including modules such as “XrpPayment,” “XrpSettlement,” “SWIFTService,” and “SWIFTPaymentStatusType.”

The presence of these modules within the same system suggests a technical environment in which XRP transaction functions and SWIFT-related services can coexist and potentially interoperate.

According to SMQKE, this integration is significant because it demonstrates that XRP-related processes and SWIFT messaging services are accessible within the same financial software framework.

Given that SWIFT has mandated ISO 20022 compliance for all participants, having XRP functions coded into a SWIFT-compatible platform implies that XRP is technically positioned to connect and settle transactions with any SWIFT-enabled institution.

Why This Matters

SMQKE argued that any token or entity interacting with SWIFT must meet ISO 20022 compliance requirements. By showing code that includes both ISO 20022-based schema elements and combined XRP-SWIFT modules, he claims the evidence confirms XRP’s readiness to operate in a standards-compliant global payments environment.

His view is that this positions Ripple, through the XRP Ledger (XRPL) and its associated payment solutions, to integrate with the existing banking infrastructure without barriers to settlement.

Context from Previous Industry Discussions

According to a previous Times Tabloid article, the subject of XRP and ISO 20022 compliance has recently been debated in the community.

In that earlier report, XRPL validator Vet responded to comments from business leader Jake Claver, who claimed XRP was the first cryptocurrency to prioritize ISO 20022 compliance.

Software engineer Nik Bougalis clarified that ISO 20022 is a messaging standard and that XRP, as a digital asset, is not directly “ISO 20022 compliant.” He explained that while Ripple’s commercial software products can support ISO 20022, this does not apply to XRP or the XRP Ledger itself.

SMQKE’s latest evidence focuses on the software architecture level, showing direct references to ISO 20022 elements within RippleNet and the technical coexistence of XRP and SWIFT modules in R3 Corda’s environment.

While this does not change Bougalis’ earlier distinction between messaging standards and digital assets, it highlights that the infrastructure supporting XRP transactions can be built in full alignment with global banking standards.

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