XRP News Today: SWIFT's Blockchain Gamble: XRP and HBAR Face the Inflection Point

93% of XRP’s circulating supply remains in profit despite recent price fluctuations, according to data from Santiment and Glassnode. This figure underscores the token’s resilience and the widespread profitability among its holders, a significant indicator of market strength. Analysts have noted that such high profitability levels often precede periods of heavy profit-taking, which could trigger sharp corrections. For instance, in January 2018 and April 2021, XRP experienced over 85% declines after 90% of wallets were in profit. With the current level at 93%, market participants are closely monitoring whether history will repeat itself.

In parallel, SWIFT, the global interbank messaging network, is exploring blockchain integration and has identified XRP and Hedera Hashgraph (HBAR) as potential candidates for its digital asset trials. According to reports from Vanir Assets and Coin Bureau, SWIFT is investigating ways to bridge traditional finance with decentralized systems, with Ripple and Hedera emerging as key contenders. This initiative could redefine cross-border payment systems by offering faster, more transparent, and cost-efficient solutions. Ripple’s XRP, with its focus on liquidity and instant settlement, aligns well with banking needs, while HBAR’s hashgraph consensus model offers high throughput and carbon-negative operations, making it a strong candidate for tokenized asset platforms.

Both XRP and HBAR have distinct technical advantages that make them complementary rather than direct competitors in the evolving blockchain landscape. XRP provides rapid settlement times and is already integrated into networks used by major financial institutions such as Santander and SBI. In contrast, HBAR boasts a throughput of over 10,000 TPS and is supported by a 39-member Governing Council including Google and IBM. Analysts suggest that if SWIFT adopts either or both of these solutions, it could drive substantial demand for their respective tokens, particularly given the sheer volume of transactions processed through SWIFT’s network annually—over $150 trillion.

The potential adoption of XRP and HBAR by SWIFT has already had a psychological impact on the market, with investors speculating on their next major price movements. XRP’s price has recently faced downward pressure, dropping below key moving averages and showing bearish signs such as declining daily active addresses and negative CVD metrics. However, the underlying strength of XRP’s network, particularly among large holders, suggests that institutional confidence remains high. Over the past five years, wallets holding 10,000 XRP have seen a 220% increase in value, reflecting growing long-term investment in the token.

Meanwhile, the broader market is watching closely for signals from SWIFT and other institutional players. The success of XRP and HBAR in real-world applications could accelerate broader blockchain adoption in the financial sector, particularly in cross-border payments and tokenization. Analysts have highlighted the need for careful risk assessment, given the volatile nature of the crypto market and the potential for corrections if profit-taking intensifies. Nonetheless, the current technical and on-chain metrics suggest that XRP is in a consolidation phase, with potential for either a further decline or a break higher depending on how market dynamics unfold in the coming months.

As SWIFT’s digital asset trials progress, the industry is waiting to see which, if any, blockchain solutions will be integrated into its global infrastructure. The outcome could have lasting implications for XRP, HBAR, and the broader blockchain payments sector. For now, XRP remains in a favorable position, with strong on-chain profitability and growing institutional interest. However, the market must remain cautious as historical patterns suggest that periods of high profitability often precede significant price corrections.

Source: [1] XRP vs HBAR: SWIFT Blockchain Pilot Could Trigger the ... (https://coinpedia.org/price-analysis/xrp-vs-hbar-swift-blockchain-pilot-could-trigger-the-next-price-breakout/) [2] XRP Stays Profitable: 93% in Gain as SWIFT Eyes Ripple & ... (https://coinpaper.com/10649/bullish-resilience-93-of-xrp-still-in-profit-as-swift-eyes-ripple-and-hedera-for-blockchain-integration) [3] XRP's price downtrend could continue: Here's 4 reasons why (https://cointelegraph.com/news/xrp-s-price-downtrend-could-continue-here-s-4-reasons-why) [4] XRP Price Forecast: Large holders offload 460 million ... (https://www.fxstreet.com/cryptocurrencies/news/ripple-price-prediction-xrp-falls-6-as-large-scale-wallets-offload-tokens-202508200055) [5] Someone Eventually Sells as 94% of XRP Wallets Now in ... (https://thecryptobasic.com/2025/08/19/someone-eventually-sells-as-94-of-xrp-wallets-now-in-profit-but-heres-why-now-could-be-different/)