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The digital finance ecosystem is in the midst of an intense technical race, with Ripple reportedly developing an oracle intended to query banking ledger data and position XRP as a key resource for global banking, competing with solutions such as Chainlink.
The move comes as the tokenized asset (RWA) market reaches a capitalization of $25 billion. Ripple’s oracle is described as aiming to deliver high-precision on-chain quantification of real-world value. The effort also draws on the claim that the XRP Ledger began testing on SWIFT payment rails in 2025.
Competition is intensifying. While Chainlink has the Cross-Chain Interoperability Protocol (CCIP), payments are not always settled in Chainlink’s native token. Ripple’s infrastructure, by contrast, is described as having native support for the ISO 20022 messaging standard, enabling direct integration with banks using SWIFT.
Supporters of the approach argue that an oracle capable of reflecting real prices of physical assets could become a catalyst for financial institutions. It is anticipated that by the end of the first quarter of 2026, most SWIFT-associated banks will adopt data models compatible with this technology.
Despite the technical progress, adoption could be affected by regulatory uncertainty. The article points to ongoing uncertainty surrounding the Clarity Act, which could trigger delays in institutional uptake.
Overall, the development of the oracle is framed as a turning point for Ripple—shifting its positioning from a payment network toward a broader data layer for the global economy.
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