Crypto researcher SMQKE sheds light on Ripple’s innovative approach to leveraging XRP for real-time conversion of traditional SWIFT messages into ISO 20022-compliant transactions. This technology aims to streamline cross-border payments by eliminating delays and simplifying settlement processes. 🕵️♀️ SWIFT’s one-way message flow, traditionally akin to email communication, often leads to protracted settlements as each party must manually review and verify their transaction before funds can be transferred. Ripple bridges the gap between messaging and settlement with XRP, ensuring synchronization of data transmission and actual fund movement for real-time confirmation and execution.