XRP Aims to Steal $21 Trillion from SWIFT – Ripple’s Audacious Power Play

Ripple’s XRP just threw a grenade into the global payments arena—and SWIFT might be standing on the blast radius.

The $21 Trillion Heist

Forget incremental gains. Ripple’s gunning for the entire correspondent banking system, positioning XRP as the high-speed rail against SWIFT’s horse-drawn carriage. Cross-border settlements that take days? Try three seconds.

Why Banks Are Flirting With Rebellion

Institutions drowning in SWIFT’s 45-year-old infrastructure costs are eyeing Ripple’s rails. The math’s brutal: fractions of a cent per transaction versus legacy’s mystery fee buffet.

The Cynical Kick

Of course, this assumes banks actually want efficiency—not just another excuse to charge $50 ‘processing fees’ for moving digits across borders.

The global payment is no longer dependent on old-school methods; the financial institutions are increasingly in favor of faster, more cost-efficient alternatives like the XRP Ledger (XRPL). SWIFT, once the backbone of international banking with over $150 trillion in annual volume, has seen a 15% decline. Ripple’s CEO Brad Garlinghouse predicts XRPL could capture up to 14% of that, equivalent to over $21 trillion, within five years.

XRPL Activity Hits Record Highs

On-chain data supports this growing interest. Daily XRPL transactions now exceed 830,000, with over 29,000 active addresses and more than 10,000 unique traders. The decentralized exchange (DEX) volume on XRPL recently surpassed $12 million, while meme coin trading brought in $6.25 million. Stablecoin transfers remain steady at around $5.6 million. These numbers underscore a surge in liquidity and engagement across the ecosystem.

What’s Brewing Inside?

The June 30 launch of an EVM-compatible XRPL sidechain added fresh momentum. Within just one week, over 1,400 smart contracts went live, and over 1,300 remain active today. This expansion into DeFi and broader smart contract functionality is strengthening XRPL’s role beyond simple cross-border payments, attracting developers and new institutional use cases.

Moreover, Ripple’s RLUSD stablecoin aims to enter and dominate the massive global remittance sector. As RLUSD becomes more widely used in payments and decentralized finance, it adds consistent volume to the XRPL, driving further demand for XRP and increasing on-chain liquidity.

GAME CHANGER: With $RLUSD already compliant with the GENIUS Act’s 1:1 reserve requirements and monthly audits, XRP becomes the bridge currency for a regulated digital payments ecosystem.
Every RLUSD transaction on XRPL burns $XRP, creating deflationary pressure while…

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Analyst Paul Barron called Ripple’s RLUSD stablecoin a game changer, highlighting that it already meets the GENIUS Act’s strict requirements, like 1:1 reserves and monthly audits. He noted that every RLUSD transaction on the XRP Ledger burns XRP, reducing its supply and adding deflationary pressure. With institutional interest growing fast, Barron said XRP is positioning itself as the backbone of a regulated digital payment system.

Technically, Prices to Explode?

Crypto expert The Great Mattsby highlights a bullish technical setup for XRP. The monthly Bollinger Bands are expanding, a signal last seen before XRP’s historic 1,300% rally in 2017. His Gann-based analysis now aligns XRP’s price target around $45, marking a similar potential breakout.

With institutional rotation toward XRPL, rising real-world adoption, expanding DeFi activity, and strong technical signals, experts believe XRP is positioned for a significant bull run. If projections hold, XRP could be entering a new phase of growth that mirrors or even exceeds the 2017 cycle.

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FAQs

XRPL offers faster, cheaper global payments. Ripple aims to capture 14% of SWIFT’s market, or $21 trillion, within five years.

RLUSD is Ripple’s regulated stablecoin with 1:1 reserves and audits. Each transaction burns XRP, adding deflationary pressure.

XRP may be worth investing in for those seeking legal clarity and exposure to institutional crypto adoption.