XRP Poised to Disrupt SWIFT with $21 Trillion Market Capture

The global payments landscape is undergoing a significant transformation, with traditional methods like SWIFT facing stiff competition from innovative alternatives such as the XRP Ledger (XRPL). SWIFT, which once dominated international banking with over $150 trillion in annual volume, has experienced a 15% decline. Ripple CEO Brad Garlinghouse has made a bold prediction that XRPL could capture up to 14% of SWIFT's market share, equivalent to a staggering $21 trillion. This shift is driven by financial institutions increasingly adopting faster, more cost-efficient solutions like XRPL. As of August 2025, the momentum behind XRP and its underlying technology continues to grow, signaling a potential paradigm shift in global finance. The cryptocurrency's ability to facilitate seamless cross-border transactions positions it as a formidable challenger to SWIFT's legacy dominance.

XRP Set to Capture $21 Trillion from SWIFT? Ripple’s Bold Prediction

The global payments landscape is shifting away from traditional methods like SWIFT, with financial institutions increasingly adopting faster, more cost-efficient alternatives such as the XRP Ledger (XRPL). SWIFT, which once dominated international banking with over $150 trillion in annual volume, has seen a 15% decline. Ripple CEO Brad Garlinghouse predicts XRPL could capture up to 14% of that market—equivalent to $21 trillion—within five years.

On-chain data reveals surging activity on XRPL, with daily transactions exceeding 830,000 and over 29,000 active addresses. The decentralized exchange (DEX) volume recently topped $12 million, while meme coin trading contributed $6.25 million. Stablecoin transfers remain steady at $5.6 million, reflecting growing liquidity and engagement.

The launch of an EVM-compatible XRPL sidechain on June 30 has further accelerated adoption, with 1,400 smart contracts deployed in its first week. This expansion into DeFi and smart contracts broadens XRPL’s utility beyond cross-border payments, attracting developers and institutional interest. Ripple’s upcoming RLUSD stablecoin aims to penetrate the global remittance sector, signaling deeper ambitions for the ecosystem.

XRP Price Expected to Skyrocket by 1300%, Expert Predicts

A crypto expert forecasts a 1300% surge in XRP's price, citing heightened transaction volume and network activity on the XRP Ledger (XRPL). This projection mirrors the 2017 rally but with stronger fundamentals, as on-chain data and real-world adoption suggest a potentially larger cycle.

The XRPL network has seen a notable revival, with increasing participation from both retail and institutional users. Concurrently, SWIFT transaction volumes have declined, signaling a shift toward blockchain-based alternatives like XRPL, which offer faster and cheaper cross-border payments.

Historical parallels to 2017 are tempered by today’s broader institutional use cases and robust on-chain metrics. The convergence of these factors underscores XRP’s growing role in reshaping global financial infrastructure.

4 Key Developments Signal Potential XRP Price Surge

XRP is demonstrating renewed momentum as network activity reaches notable milestones. The XRP Ledger recorded over 10,000 new accounts on July 18 alone - the highest single-day figure since February. Active wallet addresses have doubled month-over-month to surpass 50,500, indicating growing blockchain utilization beyond speculative interest.

A significant whale transaction involving 210 million XRP (valued at $738 million) has drawn market attention. The movement coincides with XRP's price approaching its 2018 all-time high, fueling speculation about potential large-scale accumulation or institutional positioning.

Total Value Locked (TVL) metrics have achieved record levels, suggesting deepening ecosystem development. This combination of network growth, whale activity, and capital deployment creates fundamental conditions that historically precede major price movements in digital assets.

XRP Price Projected to Hit $45 Amid Surging XRPL Adoption and SWIFT Decline

Cryptocurrency analysts are eyeing a potential $45 price target for XRP, fueled by a sevenfold increase in daily active addresses on the XRP Ledger (XRPL) and a 15% drop in SWIFT transaction volume. The shift reflects growing institutional preference for blockchain-based settlements, with RippleNet now processing billions in cross-border transfers.

XRPL's three-to-five-second transaction finality and elimination of correspondent banking chains are disrupting the $150 trillion annual FLOW handled by SWIFT. Ripple CEO Brad Garlinghouse recently suggested XRPL could capture 14% of this market, as evidenced by over 1,300 smart contracts deployed on the new sidechain within two weeks of launch.

Technical charts show XRP mirroring its 2017 breakout pattern, with some forecasts suggesting a 1,300% rally. The convergence of blockchain scalability improvements and traditional finance's inefficiencies creates a perfect storm for XRP's ascendance.

Analyst Warns Most Will Miss XRP Rally While Expecting Sharp Drop

XRP surged to a yearly high of $3.66 after months of consolidation NEAR $2, defying bearish expectations. Despite the rally, many investors anticipate a correction, hesitating to enter the market. Analyst DustyBC predicts a potential climb from $3 to $10, cautioning that most will miss the move.

Historical crashes in 2018 and 2021 have left traders wary, with some calling the asset overbought. Yet XRP has held above $3, disproving earlier forecasts of a drop below $2. The debate continues as the token's breakout fuels speculation about its next move.

XRP Price Prediction As Tokenized RWAs on XRPL Soar 2260%

XRP is reclaiming its momentum in the crypto market, fueled not just by price action but by a seismic shift in real-world asset tokenization. The XRP Ledger has seen a 2,260% explosion in tokenized RWAs—from $5 million in January 2025 to $118 million today, per a Ripple and Token Relations report. This surge signals growing institutional trust in XRPL as a bridge between traditional finance and blockchain.

Technically, XRP remains bullish, holding above the critical $3.30-$3.40 support zone. A sustained foothold here could propel the token toward its next target: $4.60-$4.70. The convergence of utility growth and technical strength paints a compelling case for XRP's upward trajectory.