A leak of Ripple’s code indicates a direct connection between XRP and the ISO 20022 standard.

SMQKE disclosed code snippets from the R3 Corda platform that connect Ripple’s XRP to SWIFT protocols. Although these revelations suggest potential integration with traditional financial frameworks, their wider significance is still disputed among the XRP community. Additionally, a recent finding by a community researcher has reignited discussions regarding ISO 20022 compatibility within the XRP community. A researcher named “SMQKE” posted pictures from Ripple’s JSON schema that mention the “ISO20022 ExternalClearingSystemIdentificationCode List” in the “externalClearingSystem” field. A small number of people interpret this evidence as objectively proving XRP’s potential for use in institutional payment systems. SMQKE has disclosed that Ripple’s JSON aligns with the ISO 20022 standard. Furthermore, SMQKE showcased excerpts from the code of the R3 Corda platform that connect the XRP and SWIFT protocols. The module list includes imports like XrpPayment, XrpSettlement, SWIFTService, and SWIFTPaymentStatusType. There is potential for XRP to merge with traditional financial systems, yet there is not a consensus within the broader XRP community regarding the effects of such integration. David Schwartz, the CTO of Ripple, has previously addressed several misconceptions regarding XRP’s role in these systems. In a comprehensive explanation, Schwartz clarified that XRP is not connected to ISO 20022 in any way. ISO 20022 is a standard for payment messaging, while XRP refers to a type of cryptocurrency.