SWIFT is exploring the integration of Ripple (XRP) and Stellar Lumens (XLM) for cross-border payments under the ISO 20022 standard. Both cryptocurrencies are being considered for their compliance, speed, and low transaction fees. Ripple is already undergoing testing with SWIFT, while Stellar is participating in central bank digital currency (CBDC) sandbox trials. XRP currently supports RippleNet, which integrates with over 11,000 SWIFT banks worldwide.