The XRP Ledger (XRPL) recorded 460.4 million transactions in the first half of 2026, according to data from Banx Network, adding context to expanding tokenized settlement activity and broader institutional engagement with the network. The activity is drawing attention as banks connect tokenized settlement with existing payment infrastructure, with new digital rails taking shape alongside SWIFT's addition of blockchain-based settlement capabilities for banks worldwide. In a parallel development, payments technology company ACI Worldwide announced that its ACI Connetic platform will support payments orchestrated through SWIFT's blockchain ledger, allowing banks to process tokenized deposits alongside traditional payment workflows, controls, and systems.

ACI Connects Tokenized Payments to SWIFT Ledger Infrastructure

ACI Worldwide announced that ACI Connetic will support payments orchestrated directly through SWIFT's ledger. Banks will be able to process tokenized deposits beside conventional payment types while retaining their existing banking controls and systems, and the company said these flows can be managed within one common operating framework. ACI's announcement describes support for SWIFT's blockchain-based ledger and tokenized payment flows rather than a displacement of SWIFT's existing network.

SWIFT made its blockchain ledger ready for initial use in July 2026, with seventeen banks across six continents preparing to pilot live transactions globally. The first use case targets 24/7 cross-border payments using tokenized deposits across markets. That focus points at a long-standing friction in international banking, where cross-border transfers have traditionally been bound to business-hours cut-offs and chains of correspondent banks, and 24/7 tokenized settlement would let value move between institutions at any hour. The deposits at the center of the design are tokenized — digital representations of commercial bank money recorded on a ledger — a structure that keeps the funds inside the existing banking perimeter even as they travel across new rails.

ACI's role centers on payment routing, monitoring, control, and reconciliation services. Its platform can route tokenized deposit payments alongside established payment flows through banks, allowing multiple payment types to be handled efficiently through a single platform. That single-framework design is central to the adoption story, since tokenized flows through the same operational controls banks apply to conventional payments rather than requiring a separate operational stack. ACI also says it supports about 9% of global SWIFT traffic, and its materials reference distributed ledger technologies, including Ripple, among supported technologies. That reflects technological compatibility but does not, by itself, establish that Ripple is replacing SWIFT.

XRPL Transaction Count Tops 460 Million in H1 2026

Banx Network reports 460.4 million XRP Ledger transactions during the first half of 2026, combining 238 million transactions in the first quarter with 222.4 million in the second. The figures show consistent usage across two consecutive quarterly reporting periods and point to substantial ledger activity so far this year — with both quarters landing above 220 million transactions, the data shows usage sustained across the half rather than concentrated in a single burst.

Transaction counts measure network activity but do not reveal the economic value transferred, nor can they establish how much volume involved institutional settlement activity specifically. Transaction totals therefore remain separate from claims about XRP valuation levels.

Banx Network also reports approximately $3.72 billion in tokenized assets during the second quarter, more than double the prior quarter's reported level and above thirty times the year-earlier figure in comparable data. The growth in transaction activity coincides with broader interest in tokenized financial infrastructure worldwide — the same current running through SWIFT's ledger rollout and ACI's integration work.

XRP Price Remains Separate From Infrastructure Growth

XRP was trading at around $1.48 on September 28, according to CoinGecko, with roughly $3.07 billion in 24-hour trading volume. Its seven-day performance remains positive despite the latest daily decline.

That market price remains far below the $10,000 figure cited in a post by FinanceBro, which linked Ripple and XRP Ledger activity to SWIFT's evolving settlement infrastructure. A move from $1.48 to $10,000 would require an enormous multiple, and the cited infrastructure developments provide no verified basis for that valuation target.

The concrete development instead concerns interoperability among established payment systems. SWIFT is adding blockchain infrastructure without abandoning its existing global network, while ACI is integrating those new flows into established banking operations. From here, the measurable markers are operational rather than price-based: whether the seventeen-bank pilot moves from preparation to live transactions, and what second-half ledger data shows about whether first-half activity levels held.