{"id":181948,"date":"2026-07-14T09:15:51","date_gmt":"2026-07-14T09:15:51","guid":{"rendered":"https:\/\/cryptonews.com\/fr\/news\/swift-denies-ripple-xrp-integration-rumors-tom-zschach\/"},"modified":"2026-07-13T13:30:28","modified_gmt":"2026-07-13T13:30:28","slug":"swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/","title":{"rendered":"SWIFT d\u00e9ment les rumeurs d&rsquo;int\u00e9gration du XRP de Ripple"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Tom Zschach, qui a occup\u00e9 pendant six ans le poste de Chief Innovation Officer chez SWIFT avant de quitter r\u00e9cemment l&rsquo;entreprise, a coup\u00e9 court aux nouvelles rumeurs concernant Ripple avec une r\u00e9ponse en deux mots sur X : \u00ab Not happening \u00bb (Cela n&rsquo;arrivera pas). Cette r\u00e9ponse concise a eu un impact majeur, car il a dirig\u00e9 la strat\u00e9gie des actifs num\u00e9riques de SWIFT, lui conf\u00e9rant une connaissance directe de ce que le r\u00e9seau construisait r\u00e9ellement.<\/p><p class=\"wp-block-paragraph\">Ces commentaires font suite aux affirmations de plusieurs comptes d&rsquo;influenceurs XRP sugg\u00e9rant que SWIFT pr\u00e9voyait de soutenir des jetons publics comme le XRP au lieu de d\u00e9velopper sa propre infrastructure. Ces publications se sont rapidement propag\u00e9es sur les r\u00e9seaux sociaux, bien qu&rsquo;aucune ne contienne de d\u00e9claration officielle ou de document \u00e0 l&rsquo;appui. Cela revient un peu \u00e0 citer \u00ab fais-moi confiance, fr\u00e9rot \u00bb comme source unique.<\/p><figure class=\"wp-block-embed is-type-rich is-provider-x wp-block-embed-x\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">Not happening<\/p>&mdash; Tom Zschach (@TomZschach) <a href=\"https:\/\/x.com\/TomZschach\/status\/2075396115642437669?ref_src=twsrc%5Etfw\">July 10, 2026<\/a><\/blockquote><script async src=\"https:\/\/platform.x.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure><p class=\"wp-block-paragraph\">Une publication largement partag\u00e9e affirmait m\u00eame que SWIFT aurait d\u00e9clar\u00e9 n&rsquo;avoir aucune intention de concurrencer le XRP et souhaiterait plut\u00f4t collaborer avec lui. Cependant, aucune annonce officielle de SWIFT, aucun communiqu\u00e9 de presse ni aucun document public ne contient une telle formulation. L&rsquo;all\u00e9gation semble avoir circul\u00e9 sans la moindre preuve v\u00e9rifiable.<\/p><p class=\"wp-block-paragraph\">La r\u00e9action de Zschach a permis d&rsquo;\u00e9touffer la rumeur avant qu&rsquo;elle ne prenne plus d&rsquo;ampleur. Bien que SWIFT continue de tester des infrastructures de r\u00e8glement bas\u00e9es sur la blockchain et la tokenisation d&rsquo;actifs, rien n&rsquo;indique encore que le r\u00e9seau envisage d&rsquo;int\u00e9grer le XRP ou de valider le jeton pour ses services de base.<\/p><figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2026\/07\/13091546\/content-inline-1-26.jpg\" alt=\"\"><\/figure><p>La r\u00e9ponse de Zschach n&rsquo;a laiss\u00e9 aucune place \u00e0 l&rsquo;interpr\u00e9tation. La rumeur crypto s&rsquo;est effondr\u00e9e face au d\u00e9menti de la personne qui a pilot\u00e9 la fonction des actifs num\u00e9riques de SWIFT pendant une demi-d\u00e9cennie \u2014 une mise au point plus efficace que n&rsquo;importe quelle longue r\u00e9futation.<\/p><p>C&rsquo;est un sch\u00e9ma qui se r\u00e9p\u00e8te depuis plusieurs ann\u00e9es : un cadre de SWIFT ou un document technique mentionne la tokenisation ou l&rsquo;interop\u00e9rabilit\u00e9, la communaut\u00e9 XRP y voit une adoption implicite, les comptes d&rsquo;influenceurs amplifient cette interpr\u00e9tation comme un fait, puis une correction suit. Ce cycle de d\u00e9mentis autour du XRP est d\u00e9sormais bien connu, mais l&rsquo;implication directe de Zschach donne \u00e0 cette it\u00e9ration une autorit\u00e9 inhabituelle.<\/p><h2 class=\"wp-block-heading\">Le passif de Zschach concernant Ripple<\/h2><span class=\"replacer\"><\/span><p>Le rejet par l&rsquo;ancien CIO de SWIFT du <a href=\"https:\/\/cryptonews.com\/news\/xrp-price-prediction-judge-ruling\/\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">r\u00e9cit institutionnel du XRP<\/a> n&rsquo;est pas nouveau. Zschach a pr\u00e9c\u00e9demment compar\u00e9 la technologie de Ripple \u00e0 un \u00ab t\u00e9l\u00e9copieur \u00bb \u00e0 l&rsquo;\u00e8re de l&rsquo;internet moderne, et a soutenu que le fait que Ripple survive \u00e0 son long proc\u00e8s contre la SEC ne constitue pas une preuve de r\u00e9silience institutionnelle r\u00e9elle.<\/p><p>Apr\u00e8s une carri\u00e8re de trois d\u00e9cennies au sein de la Bank of America, de Barclays et de Lehman Brothers, Zschach a quitt\u00e9 SWIFT pour rejoindre une \u00e9quipe de recherche issue d&rsquo;Oxford, Harvard et Cambridge afin de construire une nouvelle infrastructure financi\u00e8re. Cette trajectoire indique clairement o\u00f9 il pense que la finance num\u00e9rique de classe institutionnelle se dirige r\u00e9ellement.<\/p><p><\/p><blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">The SWIFT executive who called XRP a fax machine resigned on the same day that Ripple Treasury joined SWIFT\u2019s certified program.<br><br>The story has its own timeline.<br>XRP has won.<\/p>&mdash; {x} (@unknowDLT) <a href=\"https:\/\/x.com\/unknowDLT\/status\/2044061362448674940?ref_src=twsrc%5Etfw\">April 14, 2026<\/a><\/blockquote><script async src=\"https:\/\/platform.x.com\/widgets.js\" charset=\"utf-8\"><\/script><h2 class=\"wp-block-heading\">Ce que SWIFT construit r\u00e9ellement<\/h2><span class=\"replacer\"><\/span><p>La strat\u00e9gie de <a href=\"https:\/\/www.swift.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">SWIFT<\/a> en mati\u00e8re d&rsquo;actifs num\u00e9riques devient plus claire, et elle n&rsquo;a pas grand-chose \u00e0 voir avec les derni\u00e8res <a href=\"https:\/\/cryptonews.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">rumeurs<\/a> sur le XRP. Ses travaux publi\u00e9s se concentrent sur la messagerie s\u00e9curis\u00e9e, l&rsquo;interop\u00e9rabilit\u00e9 et les actifs tokenis\u00e9s pour les institutions financi\u00e8res r\u00e9glement\u00e9es. Des pilotes r\u00e9cents portent \u00e9galement sur les d\u00e9p\u00f4ts tokenis\u00e9s via des r\u00e9seaux priv\u00e9s (permissioned), et non sur des blockchains publiques.<\/p><p>Cette distinction est cruciale car les registres priv\u00e9s et les jetons publics r\u00e9pondent \u00e0 des besoins diff\u00e9rents. SWIFT construit une infrastructure neutre avec une gouvernance partag\u00e9e, alors que le XRP reste une cryptomonnaie publique ind\u00e9pendante. En r\u00e9sum\u00e9, attendre que l&rsquo;un se transforme discr\u00e8tement en l&rsquo;autre revient \u00e0 esp\u00e9rer qu&rsquo;un cargo remporte une course de Formule 1.<\/p><figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/cimg.co\/p\/no_image.svg\" alt=\"SWIFT headquarters sign displayed on a marble wall in La Hulpe.\" class=\" lazyload\" data-src=\"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2026\/07\/13091549\/content-inline-2-5.jpg\" data-srcset=\"\"><\/figure><p>La rumeur a perdu de sa force apr\u00e8s que l&rsquo;analyste Jon Zschach a publiquement rejet\u00e9 les affirmations selon lesquelles SWIFT pr\u00e9parait une int\u00e9gration du XRP. Aucune preuve cr\u00e9dible n&rsquo;a fait surface pour \u00e9tayer ces dires. Au contraire, SWIFT continue de mettre l&rsquo;accent sur une connectivit\u00e9 bas\u00e9e sur des standards \u00e0 travers de multiples plateformes d&rsquo;actifs num\u00e9riques plut\u00f4t que de privil\u00e9gier un jeton unique.<\/p><p>Pendant ce temps, le XRP peine \u00e0 trouver une dynamique. Le jeton s&rsquo;est r\u00e9cemment \u00e9chang\u00e9 autour de 1,08 $ \u00e0 1,10 $, reculant face au Bitcoin alors que de nouveaux catalyseurs institutionnels manquent \u00e0 l&rsquo;appel. Les traders qui esp\u00e9raient une surprise de la part de SWIFT en sont pour leurs frais, et le march\u00e9 r\u00e9compense rarement les v\u0153ux pieux sur le long terme.<\/p><p>Cela ne signifie pas que l&rsquo;avenir \u00e0 long terme du XRP est scell\u00e9. Cependant, lier son potentiel d&rsquo;investissement \u00e0 des rumeurs de partenariat non v\u00e9rifi\u00e9es ne fait qu&rsquo;augmenter des attentes que la r\u00e9alit\u00e9 pourrait ne pas combler. Pour l&rsquo;instant, SWIFT et le XRP semblent \u00e9voluer sur des voies s\u00e9par\u00e9es, m\u00eame si certains investisseurs esp\u00e8rent toujours que ces rails finissent par se croiser.<\/p>","protected":false},"excerpt":{"rendered":"<p>Tom Zschach, ancien Chief Innovation Officer de SWIFT, a r\u00e9agi par un cinglant \u00ab Not happening \u00bb aux rumeurs d&rsquo;int\u00e9gration du token XRP par le r\u00e9seau.<\/p>\n","protected":false},"author":759,"featured_media":181933,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"editors":[],"sponsored_companies":[],"class_list":["post-181948","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SWIFT d\u00e9ment les rumeurs d&#039;int\u00e9gration du XRP de Ripple<\/title>\n<meta name=\"description\" content=\"Tom Zschach, ancien Chief Innovation Officer de SWIFT, a r\u00e9agi par un cinglant \u00ab Not happening \u00bb aux rumeurs d&#039;int\u00e9gration du token XRP par le r\u00e9seau.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SWIFT d\u00e9ment les rumeurs d&#039;int\u00e9gration du XRP de Ripple\" \/>\n<meta property=\"og:description\" content=\"Tom Zschach, ancien Chief Innovation Officer de SWIFT, a r\u00e9agi par un cinglant \u00ab Not happening \u00bb aux rumeurs d&#039;int\u00e9gration du token XRP par le r\u00e9seau.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/\" \/>\n<meta property=\"og:site_name\" content=\"Cryptonews France\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-14T09:15:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2026\/07\/13091541\/swift-denies-ripple-xrp-integration-rumors-tom-zschach-featured.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"SWIFT d\u00e9ment les rumeurs d&#039;int\u00e9gration du XRP de Ripple\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2026\/07\/13091541\/swift-denies-ripple-xrp-integration-rumors-tom-zschach-featured.jpg\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"SWIFT d\u00e9ment les rumeurs d'int\u00e9gration du XRP de Ripple","description":"Tom Zschach, ancien Chief Innovation Officer de SWIFT, a r\u00e9agi par un cinglant \u00ab Not happening \u00bb aux rumeurs d'int\u00e9gration du token XRP par le r\u00e9seau.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/","og_locale":"fr_FR","og_type":"article","og_title":"SWIFT d\u00e9ment les rumeurs d'int\u00e9gration du XRP de Ripple","og_description":"Tom Zschach, ancien Chief Innovation Officer de SWIFT, a r\u00e9agi par un cinglant \u00ab Not happening \u00bb aux rumeurs d'int\u00e9gration du token XRP par le r\u00e9seau.","og_url":"https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/","og_site_name":"Cryptonews France","article_published_time":"2026-07-14T09:15:51+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2026\/07\/13091541\/swift-denies-ripple-xrp-integration-rumors-tom-zschach-featured.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_title":"SWIFT d\u00e9ment les rumeurs d'int\u00e9gration du XRP de Ripple","twitter_image":"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2026\/07\/13091541\/swift-denies-ripple-xrp-integration-rumors-tom-zschach-featured.jpg","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/#article","isPartOf":{"@id":"https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/"},"author":{"name":"domn","@id":"https:\/\/cryptonews.com\/fr\/#\/schema\/person\/7505e51895f10feb029abe55e2dadfa2"},"headline":"SWIFT d\u00e9ment les rumeurs d&rsquo;int\u00e9gration du XRP de Ripple","datePublished":"2026-07-14T09:15:51+00:00","mainEntityOfPage":{"@id":"https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/"},"wordCount":930,"commentCount":0,"publisher":{"@id":"https:\/\/cryptonews.com\/fr\/#organization"},"image":{"@id":"https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/#primaryimage"},"thumbnailUrl":"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2026\/07\/13091541\/swift-denies-ripple-xrp-integration-rumors-tom-zschach-featured.jpg","articleSection":["News"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/#respond"]}],"copyrightYear":"2026","copyrightHolder":{"@id":"https:\/\/cryptonews.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/","url":"https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/","name":"SWIFT d\u00e9ment les rumeurs d'int\u00e9gration du XRP de Ripple","isPartOf":{"@id":"https:\/\/cryptonews.com\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/#primaryimage"},"image":{"@id":"https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/#primaryimage"},"thumbnailUrl":"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2026\/07\/13091541\/swift-denies-ripple-xrp-integration-rumors-tom-zschach-featured.jpg","datePublished":"2026-07-14T09:15:51+00:00","description":"Tom Zschach, ancien Chief Innovation Officer de SWIFT, a r\u00e9agi par un cinglant \u00ab Not happening \u00bb aux rumeurs d'int\u00e9gration du token XRP par le r\u00e9seau.","breadcrumb":{"@id":"https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/"]}],"author":[]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/#primaryimage","url":"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2026\/07\/13091541\/swift-denies-ripple-xrp-integration-rumors-tom-zschach-featured.jpg","contentUrl":"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2026\/07\/13091541\/swift-denies-ripple-xrp-integration-rumors-tom-zschach-featured.jpg","width":1200,"height":675},{"@type":"BreadcrumbList","@id":"https:\/\/cryptonews.com\/fr\/news\/swift-dement-les-rumeurs-dintegration-du-xrp-de-ripple\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/cryptonews.com\/fr\/"},{"@type":"ListItem","position":2,"name":"SWIFT d\u00e9ment les rumeurs d&rsquo;int\u00e9gration du XRP de Ripple"}]},{"@type":"WebSite","@id":"https:\/\/cryptonews.com\/fr\/#website","url":"https:\/\/cryptonews.com\/fr\/","name":"Cryptonews","description":"","publisher":{"@id":"https:\/\/cryptonews.com\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/cryptonews.com\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/cryptonews.com\/fr\/#organization","name":"Cryptonews France","url":"https:\/\/cryptonews.com\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/cryptonews.com\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/cryptonews.com\/wp-content\/uploads\/sites\/3\/2023\/09\/4.jpg","contentUrl":"https:\/\/cryptonews.com\/wp-content\/uploads\/sites\/3\/2023\/09\/4.jpg","width":1669,"height":874,"caption":"Cryptonews France"},"image":{"@id":"https:\/\/cryptonews.com\/fr\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/posts\/181948","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/users\/759"}],"replies":[{"embeddable":true,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/comments?post=181948"}],"version-history":[{"count":1,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/posts\/181948\/revisions"}],"predecessor-version":[{"id":181968,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/posts\/181948\/revisions\/181968"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/media\/181933"}],"wp:attachment":[{"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/media?parent=181948"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/categories?post=181948"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/tags?post=181948"},{"taxonomy":"editors","embeddable":true,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/editors?post=181948"},{"taxonomy":"sponsored_companies","embeddable":true,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/sponsored_companies?post=181948"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}