December 26, 2025
by Jake Claver
by Jake ClaverACI Worldwide, SWIFT/gpi, and real-time payments: rebuilding the cross-border payment rail
ACI Worldwide, SWIFT/gpi, and real-time payments sit at the center of how cross-border payments settle. Every part of it traces back to a named, primary source.
The Rail Behind The Headline
This material connects the ecosystem to payment rails and cross-border transaction flows. The primary source is the ACI and SWIFT page, with supporting material from the ACI SWIFT gpi explainer and the ACI real-time payments page.
What This Means For Market Infrastructure
What it changes for the broader institutional payments and tokenization stack: payments infrastructure is a repeat-use case that can create ongoing demand for reliable networks and settlement assets.
One caveat for honest use: Do not present this as SWIFT itself integrating Ripple.
From The Source
