XRP community researcher SMQKE recently drew attention to XRP’s potential role in the U.S. financial system through Fedwire, the Federal Reserve’s real-time gross settlement service. Reports suggest Fedwire and its associated wholesale services process an astounding $1 quadrillion annually. This system essentially moves the equivalent of the U.S. GDP every few days. The figure also dwarfs systems like ACH and highlights Fedwire’s global significance. Ripple’s Connection Through Volante and Finastra Meanwhile, Volante Technologies and Finastra also play important roles in this system. These are key tech providers for Fedwire and are established Ripple partners. In 2019, Ripple partnered with Finastra to embed its blockchain-based solutions into Finastra’s payment ecosystem. This move enabled Finastra’s clients to access RippleNet’s 200+ financial institutions. In parallel, Ripple users gained entry into Finastra’s extensive banking network. On the other hand, Volante has secured integration with Ripple’s technology since 2015. It offers Fedwire as a service via the cloud and has confirmed that its platform users can utilize XRP for transactions. ISO 20022 Certification Tightens the Link Notably, Finastra and Volante further deepened their position in the U.S. banking system in May 2024, when they received ISO 20022 certification from the Federal Reserve for their Fedwire-compatible solutions. Finastra’s certified products include Payments To Go, Global PAYplus, PAYplus USA, and PAYplus Connect. Similarly, Volante earned certification for its wire payment processing solutions. These developments pave the way for 24/7 modernized payments and support compliance through cloud-based intermediary platforms or full system replacements. All these hold while they maintain compatibility with Ripple’s infrastructure. Remarkably, Ripple itself is ISO 20022 compliant. XRP Set for Institutional-Grade Utility This establishes a line of connection between Ripple, XRP, and the core of U.S. interbank infrastructure. It also supports a larger thesis that XRP may be quietly embedding itself into the foundation of future finance. Given its speed, low fees, and high scalability, XRP may become interoperable with systems that process some of the largest transaction volumes on Earth. As the payments landscape transitions toward real-time settlement with systems like FedNow and RTP, Ripple and XRP strategically align to bridge the gap between traditional finance and blockchain-based infrastructure. If XRP plays a fractional role in the Fedwire’s over $1 quadrillion annual ecosystem, it could be a massive untapped utility that proponents believe could further shape XRP’s price. Interestingly, Ripple’s CEO, Brad Garlinghouse, recently backed this speculation by suggesting XRP could handle 14% of SWIFT’s multi-trillion-dollar volume by 2030.