SWIFT tests XRP-based bridge liquidity via Ripple’s On-Demand Liquidity in mid 2026
SWIFT's reported mid-2026 testing of Ripple's XRP-based On-Demand Liquidity, alongside real-world usage by Santander (One Pay FX) and deployment by Standard Chartered, signals institutional validation beyond a pilot. Integration at the cross-border payments infrastructure layer could improve perceived settlement utility and reduce adoption friction among SWIFT-network banks, raising near-term attention and positioning risk around XRP.
AI Insight · XRP/USDTAI Insight
▲ Bullish
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By mid 2026, SWIFT is testing an XRP-based bridge liquidity setup through Ripple’s On-Demand Liquidity. Santander is using One Pay FX to apply the system across Latin America and Southeast Asia. Standard Chartered has publicly tested and deployed an XRP-based settlement corridor. The move marks XRP’s first entry into SWIFT’s co-validated cross-border payments infrastructure in live business use cases, with no other tokens or alternative technologies cited.