The XRP Ledger (XRPL) has the capability to link blockchain-based payments with the accounting systems already utilized by corporations and financial institutions.
Crypto researcher SMQKE highlighted this capability in a recent social media post, verifying that the XRP Ledger is capable of supporting ISO 20022 payment workflows for banking institutions. “Yes, the XRPL can be used to send ISO 20022 payments for banks. Confirmed. Watch,” SMQKE wrote.
An accompanying video illustrates how a payment system is able to bridge the XRPL with traditional financial accounting operations. Rather than forcing users to abandon their accustomed accounting methods, the demonstration highlights a specialized component designed to translate XRPL payment records into a format readable by legacy software programs.
Yes, the XRPL can be used to send ISO 20022 payments for banks.
Confirmed.
Watch.
pic.twitter.com/kh453DJL7X
— SMQKE (@SMQKEDQG) September 29, 2026
Video Demonstrates XRPL Integration
During the video, the presenter outlines how small and medium-sized enterprises alongside accounting professionals currently handle transactions. He subsequently addresses the worldwide shift toward ISO 20022 and details how this financial standard integrates with the proposed architecture.
The showcase introduces a connecting element that unites XRPL transactions with an accounting pipeline. The presenter clarifies that this utility can fetch online transactions straight from the ledger and reformat the payment details into the ISO 20022 structure.
Following this, the mechanism generates a file that operators can load directly into their pre-existing accounting applications. The demonstration uses a five Swiss franc transaction to show the workflow in action. Once the setup completes the transaction, the accounting package logs the incoming funds while the operator maintains their standard routine.
This mechanism enables the accounting platform to process the transaction seamlessly without demanding that the operator manually re-enter the payment details.
Sending and Receiving Payments Through XRPL
The presenter also clarifies how the setup manages both ends of a transaction. While a sender utilizes the XRPL to dispatch funds, a recipient can similarly leverage the ledger to take in the transfer and translate the associated data into a format recognized by legacy accounting tools.
We are on X, follow us to connect with us :- @TimesTabloid1
— TimesTabloid (@TimesTabloid1) June 15, 2025
Ultimately, the presentation centers on bridging the XRPL with established financial frameworks. The introduced module translates ledger transaction data into the target accounting scheme, letting users preserve their current operational procedures.
SMQKE’s message frames this utility as definitive proof that the XRPL is capable of backing ISO 20022-aligned payment pipelines. The attached video zeroes in on the technical link between the distributed ledger and accounting packages, eliminating any need for firms to discard their current tools.
Furthermore, the demonstration reveals how an operator can take in funds via the XRPL, map the transaction to an ISO 20022-compliant structure, and keep working within familiar accounting platforms. SMQKE’s publication emphasizes this utility amid the broader migration toward uniform financial messaging, positioning the XRPL as a network capable of operating side-by-side with current accounting systems.