🚀 XRP Price Eyes $45 as XRPL Activity Explodes and SWIFT Crumbles

Banks hate this one trick: XRP's ledger just hit warp speed while legacy systems choke on dust.

Network activity on the XRP Ledger (XRPL) spiked 300% this quarter as institutional players quietly migrate from SWIFT's creaky rails. The surge comes amid whispers of a $45 price target—a moonshot that'd make Bitcoin maximalists sweat.

Why the frenzy? Three letters: CBDC. Central banks testing XRPL for digital currencies are realizing what crypto natives knew years ago—settlement shouldn't take days and cost like a private jet.

Meanwhile, SWIFT's latest 'innovation' involves... checks. Paper ones. Because nothing says 'future of finance' like a system that still processes 1.5 billion physical documents annually.

Analysts warn the $45 target depends on one thing: whether TradFi dinosaurs finally admit their messaging system belongs in a museum alongside fax machines and floppy disks.

TLDR

• Experts predict the XRP price could rise to $45 based on strong technical patterns and market momentum.
• XRP Ledger activity is increasing rapidly with a sevenfold jump in daily active addresses.
• SWIFT has seen a 15% drop in transaction volume as more institutions turn to XRPL for faster settlements.
• RippleNet now processes billions in global transfers helping banks reduce costs and improve liquidity.
• The new XRPL sidechain supports over 1,300 active smart contracts within two weeks of its launch.

A leading crypto analyst has forecasted a potential 1,300% increase in the XRP price, citing surging XRPL activity and weakening SWIFT usage. Recent blockchain developments, increased financial adoption, and growing institutional interest have added to the momentum. XRP’s trajectory appears to mirror the breakout patterns from its 2017 rally, which saw exponential growth.

XRPL Gains Speed as SWIFT Volume Contracts Sharply

Financial activity on the XRP Ledger has sharply increased, while traditional messaging network SWIFT has reported a 15% drop in volume. This shift is largely driven by the XRPL’s faster settlements, which complete transactions in three to five seconds. The ledger also removes the need for intermediary banking chains, streamlining international payments.

Ripple CEO Brad Garlinghouse projected at the Apex XRPL Summit that XRPL could handle 14% of SWIFT’s $150 trillion annual flow. This WOULD equate to $21 trillion in transaction volume over XRPL within five years. This projection aligns with rising institutional usage of the RippleNet platform, which uses XRPL for cross-border payments.

RippleNet currently processes billions in transactions, allowing financial firms to improve cash FLOW and cut pre-funding costs. The system’s efficiency and structure have made it a viable alternative to the aging SWIFT infrastructure. Consequently, more banks and fintech companies are adopting the XRP Ledger for global payment operations.

XRP Price Poised for Rally as On-Chain Metrics Strengthen

The xrp price has surged 63% over the past month, currently trading at $3.5 and holding a $207 billion market cap. Technical signals are flashing bullish as monthly Bollinger Bands expand, a pattern that preceded the 2017 breakout. Expert The Great Mattsby linked this setup to a potential price target of $45 using Gann chart analysis.

Just to clarify, a 1300% increase would align perfectly with the green level of my Gann analysis, targeting approximately $45.
What do all the $XRP haters have to say about that potential?$XRPhttps://t.co/ExJ1p9jZTE pic.twitter.com/AGr05uKcpm

— The Great Mattsby (@matthughes13) July 20, 2025

Simultaneously, XRP Ledger activity has risen significantly with over 29,000 daily active addresses and 10,000 unique traders. Transaction counts crossed 830,000 daily, signaling growing utility and increased user engagement on the network. This rise in usage continues to support the upward pressure on the XRP price.

Moreover, XRP-based DEX volumes exceeded $12 million, supported by $6.25 million in meme coin trades and $5.6 million in stablecoin usage. This liquidity ensures active trading environments and deeper market depth for XRP transactions.