ACI Worldwide integrates XRP as an optional settlement rail: key takeaways
ACI Worldwide, which processes ~9% of global SWIFT traffic—about $155,000 billion per year—has integrated XRP as a settlement option into its ACI Connetic platform as part of SWIFT’s multi-chain ledger initiative.
Specifically, Connetic automatically selects the best payment rail (SWIFT FIN, gpi, DLT, bank transfers...) based on rules defined by each bank. XRP is now included among these available rails.
What this means:
A real infrastructure step forward: banks using ACI have technical access to XRP through Ripple’s On-Demand Liquidity.
What this does not mean:
No system switchover: the use of XRP remains at the discretion of each bank, on a case-by-case basis. Nothing indicates that it becomes a "preferred" rail, and nothing confirms that the SWIFT register itself runs on the XRP Ledger.
For institutions, the challenge is to track the actual adoption mechanisms—not the media hype.
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