XRP News Today: XRP Poised for 100% Rally as Ripple Challenges SWIFT

XRP, the cryptocurrency associated with the Ripple network, is poised for a significant rally according to market analyst Adex Crypt. The analyst suggests that XRP is set to extend its bull run after rebounding from the neckline of a 7-year Double Bottom/Ascending Triangle pattern. This technical formation is considered extremely rare and powerful, signaling a confirmed macro uptrend shift for XRP. The conservative target for this rally is set at $38, with the potential for a 2x increase from its current price of $2.87, reaching the $5.74 zone.

This bullish outlook is supported by rising volume, ecosystem expansion, and global financial integration through the Fed’s ISO 20022. The psychological price of $3 is now within reach for XRP bulls, further fueling the optimism surrounding the cryptocurrency.

In the realm of cross-border payments, the SWIFT network is facing increasing competition from faster and cheaper blockchain alternatives, such as the XRP Ledger (XRPL). The XRP Ledger's speed and cost efficiency are unmatched by SWIFT's infrastructure, which typically takes 1–5 business days to settle transactions and incurs fees of $10–$50 per transaction. In contrast, XRP settles in just 3–5 seconds with fees as low as $0.0002 per payment.

Ripple’s CEO, Brad Garlinghouse, has emphasized that XRP targets the liquidity layer, not SWIFT’s messaging function. This liquidity-first strategy allows for rapid settlement without the need for pre-funded accounts, making it a more cost-effective solution for banks. The XRPL's growth is evident, with an average of over 2.14 million daily transactions in Q1 2025, a significant increase from roughly 50,000 per day in 2013. Payments now account for nearly 60% of all transactions, rising from 1.5 million weekly payments in 2023 to over 8 million by mid-2025.

Institutional use of Ripple’s On-Demand Liquidity (ODL) has also surged, with over $15 billion transacted in 2024, representing a 32% year-over-year gain. At the XRPL Apex 2025 conference, Garlinghouse projected that XRP could handle 14% of SWIFT’s liquidity volume within five years. This would amount to about $21 trillion per year flowing through the XRP network, although analysts note that XRPL doesn’t need to hold all that capital at once due to transaction velocity.

RippleNet, the network of financial institutions using Ripple’s technology, boasts over 300 members across more than 45 countries, with more than 40% employing XRP-based ODL. The launch of its EVM-compatible sidechain in Q2 2025 further broadens integration possibilities. Geographically, XRP-led corridors, especially in Latin America, Asia-Pacific, and Africa, are expanding rapidly, offering SWIFT an increasingly formidable alternative.

SWIFT’s messaging-based architecture, slow settlement, and high costs are being outmoded by XRPL’s real-time, low-fee, liquidity-focused model. With booming volume, institutional support, and technological upgrades, XRP Ledger stands poised to disrupt global cross-border payments, capturing potentially double-digit percent share from SWIFT within a few short years. As this disruption unfolds, it remains to be seen whether XRP will witness a 2x increase as the rebound from a 7-year double bottom gains steam.