In a recent post, cryptocurrency researcher SMQKE confirmed that the transfer of value between the XRP Ledger (XRPL) and SWIFT is operational via GateHub. The tweet stating 'XRPL —> SWIFT via GateHub has been confirmed' indicates a functional link that has long been speculated within the digital asset ecosystem.

This statement is accompanied by two images: one image depicting a technical diagram from a research publication by Purdue University showing GateHub as a node in the Ripple credit network, and the other image showing the announcement of the partnership between XRPL Labs and GateHub. This development further clarifies GateHub's role in enabling interoperability between fiat and cryptocurrency through the XRPL.

GateHub's role 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 through major networks, including SEPA, SWIFT, Bitcoin, and Ethereum. This infrastructure allows users to send and receive fiat currency directly through the XRPL wallet, providing practical liquidity pathways.

According to an announcement published on GateHub's website, the collaboration with XRPL Labs (the developer of Xumm) facilitates the onboarding and offboarding of 14 assets. This positions the XRPL as a payment layer that communicates directly with global financial networks.

Ripple's CEO highlights the competitive advantage of the XRPL

This update comes immediately after comments from Ripple CEO Brad Garlinghouse at the XRPL Apex 2025 event in Singapore. At the event, Garlinghouse predicted that the 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 relies less on messaging protocols and more on the actual movement of liquidity.

Garlinghouse asserts that XRP is designed to provide exactly this, citing its speed and utility in facilitating real-time payments. He emphasizes that while SWIFT is a messaging layer, the XRPL, combined with XRP, operates as a liquidity and payment layer.

Technical infrastructure and on-chain evidence

Garlinghouse's remarks came during a Q&A session where Ripple's CTO David Schwartz was also present. The CEO reiterated that XRP was created to improve outdated systems that are often slow, costly, and opaque. He noted that the XRPL can support real-time on-chain payment, foreign exchange, and remittance functions. Recent developments related to GateHub now illustrate the tangible connection between the XRP ecosystem and SWIFT-compatible operations.

The technical image shared by SMQKE shows GateHub as a node providing credit linkages among multiple users, including a node directly linked to values denominated in fiat currency. This reinforces GateHub's role as an intermediary for fiat-crypto exchanges through the XRP Ledger. The other image features information from GateHub's website, confirming direct integration with networks like SWIFT.

Ripple's long-term vision

As Ripple continues to expand its business partnerships, including a recent push into stablecoins with RLUSD, confirmation of direct interoperability with SWIFT through GateHub aligns with Ripple's strategic positioning of the XRPL as a central infrastructure for global payments. SMQKE's tweet focuses on this architecture by introducing both theoretical and practical components of the XRP-based payment network.

The presented evidence confirms Ripple's stated ambition of integrating with traditional financial systems while providing an alternative to outdated payment rails. With both technical infrastructure and active partnerships already in place, XRPL's role in cross-border finance appears to be strengthening.