Ripple's XRP has gained access to the SWIFT network through partnerships with seven ISO 20022-compliant fintech companies, including ACI Worldwide, Eastnets, Finastra, Temenos, Volante Technologies, and CGI. This integration allows XRP transactions to be processed within SWIFT's global financial infrastructure, despite the absence of a direct agreement between Ripple and SWIFT. The collaboration utilizes SWIFT's transition to ISO 20022 and its API-driven platform, enabling financial institutions to handle XRP transactions alongside traditional payments.