XRP News Today: Institutions Fuel Solana, XRP Surge as SWIFT and Ripple Clash in Blockchain Payments Race

Solana's institutional inflows have surged to $291 million in recent weeks, marking a pivotal shift in the altcoin market ahead of Q4. According to on-chain data, whale activity on the Solana network has intensified, with major investors accumulating tokens at a rate unseen since mid-2024. Analysts attribute this to growing institutional adoption, including Galaxy Digital's purchase of 6.5 million SOL valued at $1.55 billion over five days. Forward Industries, a venture capital firm, has also launched a $4 billion Solana accumulation program, further tightening supply and signaling bullish momentum. The network's Total Value Locked (TVL) now stands at $12.5 billion, second only to Ethereum, underscoring its expanding role in decentralized finance (DeFi) and enterprise applications.

XRP, meanwhile, has emerged as a top altcoin for Q4, driven by regulatory clarity and institutional demand. Ripple's legal battle with the U.S. Securities and Exchange Commission (SEC) reached a resolution in August 2025, with a court ruling that XRP traded on open markets is not a security. This development paved the way for the launch of the REX-Osprey XRP ETF, which raised $37.7 million on its first day-a record for 2025. Analysts project that XRP could breach $4 if ETF approvals from major asset managers like Grayscale and WisdomTree materialize in October. Institutional custodians such as Coinbase and BitGo have also received SEC authorization to hold XRP, removing a key barrier for large investors.

The competition between SWIFT and Ripple continues to shape the cross-border payments landscape. SWIFT's blockchain pilot, developed in partnership with Consensys, aims to create a shared ledger for tokenized assets and stablecoins. Over 30 major banks, including JPMorgan, Bank of America, and Deutsche Bank, are testing the system, which combines real-time settlement with interoperability across public and private blockchains. While Ripple's XRP Ledger (XRPL) offers instant, low-cost transactions, SWIFT's approach focuses on integrating existing banking infrastructure with digital assets. This strategic differentiation highlights the evolving role of blockchain in finance, with both systems vying to redefine global payment corridors.

Market analysts highlight XRP's potential to capture 14% of the cross-border payments market within five years, a target set by Ripple CEO Brad Garlinghouse. The XRP Ledger's adoption by institutions in the Philippines, India, and Latin America has demonstrated its utility in remittance corridors, where it reduces costs by up to 70% compared to traditional methods. For example, UnionBank in the Philippines and Travelex Bank in Brazil have deployed RippleNet to facilitate real-time transactions without pre-funded accounts. These use cases reinforce XRP's value proposition as a bridge currency, particularly in regions with high transaction volumes and regulatory complexity.

Technical indicators also support a bullish outlook for XRP and Solana. XRP's Network Value to Transaction (NVT) ratio has fallen to 108.56, suggesting undervaluation relative to on-chain activity. On the Solana front, analysts note a historical pattern of consolidation followed by parabolic surges, with the current price structure mirroring the 2017 bull run. If this trend repeats, SOL could target $1,600 by late 2025, driven by institutional demand and a tightening supply dynamic.

The fourth quarter is poised to be a critical period for altcoins, with XRP and Solana leading the charge. Institutional inflows, regulatory clarity, and strategic partnerships are creating a favorable environment for both assets. As SWIFT and Ripple continue to compete in the blockchain space, the integration of digital assets into traditional finance appears inevitable. Investors are advised to monitor ETF approvals, on-chain metrics, and macroeconomic factors to navigate the evolving market dynamics.

Source: [1] SWIFT Launches Blockchain Pilot, Stablecoin Plans to Rival Ripple (https://coingape.com/swift-launches-blockchain-pilot-stablecoin-plans-to-rival-ripple/)

[2] Ripple Partners with SWIFT, Expanding XRP's Reach to 11,000 Banks (https://coincentral.com/ripple-partners-with-swift-expanding-xrps-reach-to-11000-banks/)

[3] XRP Price Forecast Q4 2025: Could It Surge Again? (http://www.digivestasi.com/news/detail/aset_kripto/xrp-price-forecast-q4-2025-could-it-surge-again?lang=eng)

[4] Solana Attracts $291M Inflows - Analysts Highlight SOL, LINK and KASPA as Best Altcoins to Buy Before Q4 (October 2, 2025) (https://www.ccn.com/analysis/crypto/xrp-october-price-analysis-2025/)

[5] Best Altcoins for Q4 2025: Solana, XRP, and MAGACOIN FINANCE (https://crypto-economy.com/best-altcoins-to-buy-before-q4-solana-xrp-and-magacoin-finance-dominate-analyst-rotations/)