 ▲ Ripple (XRP) and SWIFT / ChatGPT-generated image © |
As analysis suggests that SWIFT, the backbone of international remittances, is imitating Ripple’s technology and testing integration with the XRP Ledger, expectations are growing that XRP (Ripple) could emerge as the next-generation global payments infrastructure. With XRP gaining attention as a powerful alternative that could replace SWIFT—long limited to interbank messaging systems for decades and constrained in real-time value settlement—bold predictions have also surfaced that its price could surge into triple digits.
According to cryptocurrency-focused outlet Bitcoinist on February 7 (local time), crypto analyst Archie claimed that SWIFT is benchmarking Ripple’s real-time transfer system strategy and testing XRP Ledger integration that could upend slow and outdated cross-border payment methods. He added that a massive financial movement worth $1.5 quadrillion is quietly underway, shaking the foundations of global banking.
Some analysts believe that even if XRP captures only a portion of SWIFT’s estimated annual transaction volume of $150 trillion by 2030, it would still possess enormous upside potential. Some have even forecast that the price of XRP could soar above $3,000. In particular, with Ripple’s stablecoin RLUSD being integrated into core banking and treasury management platforms, its role as a bridge connecting crypto rails and fiat liquidity is rapidly taking shape.
Speculation has also emerged that U.S. documents are examining XRP as a full replacement for SWIFT, alongside analysis that trillions of dollars are flowing into the XRP Ledger. Archie noted that major banks such as Citibank are already progressing with tokenization and are highly likely to be operating on Ripple-based technology.
Signs of a repeat of XRP’s past large-scale rally pattern have also been detected. Archie pointed to the 2016–2018 cycle, when XRP started from a low of $0.003, gradually climbed along an uptrend line, and then surged to $3.50. At that time, the Relative Strength Index (RSI) bottomed around 50, signaling a momentum reset. He argued that a similar structural pattern is appearing in the 2025–2027 cycle.
XRP is currently consolidating firmly around the $1 level, showing a flow similar to its past decline to $0.70. Archie analyzed that this recurring fractal pattern could be a precursor to a major bull market toward triple-digit prices such as the $117 range. He maintained an optimistic outlook, saying that “the riddle was always right,” and that XRP will rise again like a phoenix.
*Disclaimer: This article is for investment reference only, and no responsibility is accepted for any investment losses based on it. The content should be interpreted solely for informational purposes.*