Brad Garlinghouse said in a 2018 Bloomberg interview: “What we're doing is basically taking over SWIFT.” The world laughed. In April 2026, Ripple Treasury became a certified SWIFT partner. The SWIFT ledger is being built with 30 banks that are already Ripple partners. The SWIFT executive who called XRP “a fax machine” resigned on the same day Ripple joined the certified program. History has its own timeline.
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