- GateHub now allows transfers between the XRP Ledger and SWIFT, a major global payment network.
- This connection could significantly boost XRP’s role in speeding up international payments.
Global payments are making a step forward. It’s now possible to move value seamlessly between the XRP Ledger (XRPL) and SWIFT, the worldwide messaging network used by banks. This bridge is powered by GateHub, a veteran XRPL gateway, and was highlighted by crypto researcher SMQKE. They shared a Purdue University diagram alongside the recent XRPL Labs–GateHub partnership announcement, illustrating GateHub’s pivotal role in linking the two systems.
Bridging Traditional Finance and Digital Assets
GateHub, an early platform built on the XRP Ledger, has expanded its services to support transfers across major financial networks, including SEPA, SWIFT, Bitcoin, and Ethereum. This setup allows users to directly send and receive traditional currencies through their XRPL wallets, creating practical ways to move money between the digital and traditional financial worlds.
According to GateHub, their collaboration with XRPL Labs (the creators of the Xumm wallet) enables easy on-ramping and off-ramping for 14 different digital assets. This means the XRPL is becoming a central hub for settling payments, directly connecting with global financial systems.
This update follows recent comments from Ripple CEO Brad Garlinghouse at the 2025 XRPL Apex event in Singapore. During the event, Garlinghouse predicted that the XRPL could handle as much as 14% of SWIFT’s global transaction volume within the next five years. He emphasised that the future of cross-border payments relies less on sending messages and more on efficiently moving actual money.
Garlinghouse stated that XRP is specifically designed for this purpose, highlighting its speed and ability to settle payments in real-time. He explained that while SWIFT primarily handles messaging, the XRPL, along with XRP, acts as a layer for liquidity and settlement. Garlinghouse’s remarks, made during a discussion where Ripple CTO David Schwartz was also present, stressed that XRP was created to improve on older, slower, more expensive, and less transparent financial systems.
He noted that the XRPL can support real-time gross settlement, foreign exchange, and remittance services directly on the blockchain. The new developments involving GateHub now show a clear, working connection between the XRP ecosystem and SWIFT-compatible operations.
The technical image shared by SMQKE illustrates GateHub as a point that creates financial links between multiple users, including one directly connected to traditional currency values. This further confirms GateHub’s role as an intermediary for exchanging traditional money and cryptocurrencies through the XRP Ledger. The other image from GateHub’s website verifies its live integration with networks like SWIFT.
While Ripple continues to grow its partnerships, including its recent move into stablecoins with RLUSD, this confirmation of live connection with SWIFT through GateHub supports Ripple’s strategy of positioning the XRPL as a core piece of infrastructure for global payments.
SMQKE’s announcement brings attention to this setup by demonstrating both the ideas and the actual workings of the XRP-based payment network.
The provided evidence supports Ripple’s goal of integrating with traditional financial systems while offering a modern alternative to outdated ways of settling payments. With both the technical foundation and active collaborations now in place, the XRP Ledger’s role in international finance appears to be growing stronger. XRP is currently trading at $2.16, down 3.10% in the last 24 hours.