A tweet posted by crypto researcher SMQKE, referencing internal documentation from J.P. Morgan, has drawn attention to the banking giant’s historical recognition of Ripple as a potential disruptor in the field of global cross-border payments. The tweet, accompanied by two slides bearing J.P. Morgan’s branding and content, emphasizes Ripple’s capabilities in transforming traditional banking operations through blockchain-based processing. The material cited comes from a J.P. Morgan research document discussing banks’ involvement in blockchain technologies and cryptocurrencies. It outlines key areas where blockchain is expected to have a transformative impact, including payments, clearing, settlement, and compliance processes such as Know Your Customer (KYC) and Anti-Money Laundering (AML). A specific focus is given to Ripple as an example of a blockchain solution with the potential to “disrupt cross-border payments processing across the industry globally.” Remember, JPM knows. “Ripple has the potential to disrupt cross border payments processing across the industry globally.” *just reading up on Mr. Morgan today and a few documents came to mind. pic.twitter.com/vFqaq467Sm — SMQKE (@SMQKEDQG) May 27, 2025 Ripple Positioned as a Notable Blockchain Use Case The first image from the shared documentation elaborates on the various transformational areas enabled by blockchain, with a visual reference listing cross-border payments, KYC/AML synergies, trade finance, and syndicated lending among others. Ripple is mentioned by name in the context of blockchain-based payment systems that aim to reduce the time needed for cross-border transfers from days to seconds, at lower costs. The analysis notes that although banks have traditionally shown limited involvement with direct cryptocurrency trading due to regulatory concerns, they continue to explore blockchain’s broader application in infrastructure and enterprise-level systems. Ripple is highlighted as a blockchain initiative capable of reshaping the processing of international payments by addressing legacy inefficiencies. Interoperability and Infrastructure Integration The second slide included in the tweet presents Ripple as a representative example of blockchain-based crypto-processing. It illustrates a network involving cloud-based ledger technology connecting financial institutions across different regions. The diagram emphasizes Ripple’s function in enabling the international movement of funds while utilizing existing financial infrastructure. The process illustrated involves a sender, a receiving financial institution, and a market maker that facilitates currency exchange and payment finality. According to the slide, the value proposition lies in secure, inexpensive, and fast fund transfers in any currency, positioning Ripple as an interoperability layer for the fragmented global financial ecosystem. It outlines the basic flow of payment and currency conversion managed through Ripple’s system, showcasing the model as an alternative to conventional banking structures. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 J.P. Morgan’s Recognition of Emerging Fintech Models SMQKE’s tweet underscores the fact that major institutions such as J.P. Morgan have long been aware of the potential for blockchain projects such as Ripple to impact traditional finance. The referenced material reflects an assessment that blockchain platforms, especially those focused on payments, could lead to significant cost reductions and operational efficiencies for banks. J.P. Morgan’s document specifically mentions cost-saving projections derived from blockchain adoption, including reductions in reporting, onboarding, and business operation costs. Furthermore, it highlights that regulatory encouragement, particularly from central banks and financial oversight bodies, could accelerate this transition and further validate the integration of distributed ledger technologies. As crypto researcher SMQKE notes, this documentation provides a clear indication that Ripple’s role has not gone unnoticed within leading financial entities, and that it is considered among viable blockchain solutions capable of reshaping global financial processes. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post JP Morgan: Ripple (XRP) Can Disrupt Cross-Border Payments Processing Globally appeared first on Times Tabloid .
