Realistic Outlook — XRP as One of Multiple Settlement Rails

[AIcash]

Analysts suggest that SWIFT is unlikely to mandate XRP usage network-wide, maintaining its role as a neutral messaging and interoperability layer.

The most likely scenario: XRP Ledger becomes an optional settlement rail, alongside Hedera, Ethereum, and tokenized deposits. Pilot integrations could be announced in 2026–2027, following ISO 20022’s full adoption and growing liquidity on XRPL.

Bottom line: XRP may join SWIFT’s multi-rail setup, but it will not replace existing payment infrastructure or become the default backbone of global cross-border payments.

[Abdul Khan]

Makes sense — SWIFT will stay neutral as messaging layer XRPL more likely as an optional settlement rail next to ETH, Hedera, tokenized deposits.

[Nahid Hossen]

Analysts see XRP as optional, not mandated. 2026–27 pilots after ISO 20022 adoption could be the real test for XRPL liquidity + settlement use.