A social media post recently stirred buzz about Ripple possibly connecting to Fedwire, the real-time payment system run by the U.S. Federal Reserve. The claim came from crypto researcher SMQKE, who shared two images: one from an ECS Fin datasheet and another from the company’s website, implying that Ripple might be set up for Fedwire interoperability through ECS Fin’s platform.
In the first image, ECS Fin showcases its IMS Payments platform, a comprehensive payments solution used by banks. The platform is built to handle a wide range of messaging standards and payment channels, including SWIFT, Fedwire, ACH, CHIPS, and ISO 20022.
Ripple and blockchain also appear in the list of supported technologies, which led some to believe there may be a deeper connection.
The platform promises to streamline the full transaction lifecycle, validation, routing, compliance, settlement, and reporting, using a modular, microservices-based architecture.
The second image, pulled from ECS Fin’s “Partners” page, mentions the company’s role in supporting the Federal Reserve Banks’ migration to the ISO 20022 messaging standard for the Fedwire Funds Service.
ECS Fin states that it works directly with the Fed and provides FedWire, FedACH, and FedNow solutions to banks and financial institutions.
These references sparked talk that Ripple could be tied to Fedwire through ECS Fin. It sounds logical ECS Fin supports Ripple and works with the Fed, but the link doesn’t hold up on closer look.
Nowhere in the ECS Fin datasheet or on its website is Ripple or XRP mentioned in direct connection with Fedwire. Ripple is listed simply as one of many supported payment technologies within ECS Fin’s broader ecosystem. There is no evidence of interoperability between Ripple and the Fed’s core payment rails.
A user on X (formerly Twitter) also responded to SMQKE’s post, pointing out, “This is incorrect. These rails function independently on their own endpoint within the same system… They are parallel capabilities and not going to be interoperable.”
In short, while ECS Fin supports Ripple and works with the Fed, there is no confirmation, technical or otherwise, that Ripple is interoperable with Fedwire.
