Recent market dynamics have given different reasons as to why the XRP price is programmed to shoot to double and triple digits. However, a supporter known as Remi Relief recently outlined a case for a four-figure XRP valuation, with the reason being that several unfolding events could lay the groundwork for a move toward $1,200 and even beyond. Remi Relief’s XRP price outlook is based on a combination of incoming regulations, geopolitical developments, and long-term pattern comparisons to XRP’s historic rally in 2017/2018. The Clarity Act And Regulatory Momentum According to XRP supporter Remi Relief, XRP’s price will break above $1,000 by the end of the cycle. This bullish outlook is based on how XRP reacts after the proposed Clarity Act is finally passed. The Clarity Act is an anticipated market structure bill that supporters believe could define clearer rules for digital assets in the United States and remove uncertainty around crypto regulation, including XRP. Ripple CEO Brad Garlinghouse is betting on the Clarity Act to be signed into law by April. Related Reading: What Happens If XRP Is Building Its Final Base At These Levels? However, Remi Relief noted that US President Donald Trump wants progress on the legislation’s passing as early as March 1. According to this view, regulatory clarity would significantly benefit Ripple Labs and, by extension, XRP. Advocates like Remi Relief are of the notion that once legal frameworks are solidified, institutional players that have will now be incentivized to begin allocating more capital into the crypto industry. As an institutional finance-centric crypto, XRP is well-positioned to attract a meaningful share of any large-scale inflows from financial institutions entering the crypto market. Another major point is with Ripple Treasury, which was recently introduced by GTreasury. Remi Relief noted that the platform handled $13 trillion in payments last year, none of which were processed through crypto rails. Imagine how much this would matter for XRP demand if even a fraction of that transactional volume were to migrate onto the XRP Ledger. The 2017/2018 Fractal And The $1,697 Projection XRP’s price action might currently be stuck under $1.50, but various technical analyses show it is still following price playbacks before bullish rallies in previous years. Remi Relief believes this is certainly the case, and a parabolic move is incoming, with a $1,697.27 XRP if the cryptocurrency follows the same pattern as the 2017/2018 cycle. Related Reading: XRP Emerges As Rotation Target As Investors Exit Bitcoin And Ethereum According to the analyst, not only is a $1200-$1700 target possible for XRP, but it’s also a conservative opinion. This plays into a prevailing sentiment where the $1,200 pathway is a high-conviction thesis among a segment of the XRP community. Some XRP proponents are even of the notion that market cap arguments of XRP reaching extravagant price targets like $1,000 and even five digits at $10,000 are misguided. Featured Image from Freepik, chart from Tradingview.com
The bill would clarify which digital assets fall under securities law versus Commodity Futures Trading Commission oversight.
Ripple CEO Brad Garlinghouse sidestepped a direct question about whether the company would ever buy a bank, using the moment instead to restate Ripple’s institutional-first strategy and argue that clearer US rules are already unlocking demand for stablecoins and XRP Ledger based payments. Speaking with James Hasso at the Economic Club of New York on Feb. 18, Garlinghouse was asked whether Ripple might acquire a bank outright or lean into tighter partnerships as it works with large financial institutions and builds out its stablecoin business. “I’m going to dodge part of your question answer,” Garlinghouse said, before pivoting into why Ripple has historically embraced banks rather than positioning itself against them. What Is Ripple’s Plan? Garlinghouse framed Ripple’s posture as deliberately contrarian relative to early crypto culture. “Ripple took a contrarian and controversial strategy approach to how we went to market early on and that made us unpopular in crypto,” he said. “Early on Ripple said banks are our customers. If we want these technologies to have the biggest impact on the largest number of people, banks are the touch point for people in their financial services relationships.” Related Reading: Ripple Wins Key UAE Bank Partnership To Support Digital Asset Infrastructure He contrasted that with what he described as crypto’s initial instinct to build outside the existing system. “The earliest days of crypto was a very anti-bank anti-government uh let’s build a parallel universe,” Garlinghouse said. “Ripple always took the point of view that we’re going to be a bridge between what we would now call tradfi or traditional finance and defy decentralized finance.” That bridge-building claim also anchored his response on Ripple’s regulatory posture around its stablecoin business. Garlinghouse said Ripple launched RLUSD 13 months ago and claimed it now sits “about number five” among the largest stablecoins—an outcome he linked to leaning into oversight rather than avoiding it. Garlinghouse highlighted a New York Department of Financial Services trust license and a conditional OCC charter, characterizing the latter as “belt and suspenders” for the stablecoin business. “We think that uniquely positions us as you know almost overregulated,” he said. “But we want that…because we work with institutions we want them to look at us as going above and beyond to make sure there is that level of oversight so there’s no questions…is the stablecoin backed one to one [and]…the attestations on a regular basis about those backings.” Then came the cleanest non-answer of the session. “And I’m going to skip the question, will we ever buy a bank? They are customers,” Garlinghouse said. Related Reading: XRP Community Day Recap: The 7 Most Bullish Takeaways Pressed on whether additional US legislation could accelerate adoption, Garlinghouse pointed to an earlier example: “The Genius Act was the stable coin legislation that passed…President Trump signed it either at the end of July or early August,” he said. “That was an unlock for sure…we definitely saw a big uptick in stablecoin activity after that became law.” He argued a similar effect could follow if the Clarity Act passes, because clearer definitions would give boards, CFOs, and banks more room to move. For corporates, he emphasized operational utility—especially “24/7 ability to move” stablecoins—arguing that “being able to make a payment on a Sunday afternoon sometimes is important.” Garlinghouse said Ripple has kept its commercial center of gravity on payments because the value proposition is straightforward: faster, cheaper settlement. On tokenization, he was supportive but selective, noting friction in traditional settlement cycles like “T+3” and “T+1,” while also warning that some projects feel like “a technology in search of a problem.” He pointed to BlackRock CEO Larry Fink as a prominent advocate, saying Fink believes a “huge percentage of assets will be tokenized,” and added: “I agree with him.” But Garlinghouse stressed that execution will be “vertical by vertical,” arguing domain experts, not Ripple, need to drive sectors it doesn’t understand, like insurance. At press time, XRP traded at $1.4027. Featured image from YouTube, chart from TradingView.com
Rumors are spreading across X after reports surfaced that executives from SWIFT and Ripple may have held a private lunch in Miami. The rumor, first highlighted on X by XRP analyst Steph, suggested that the two payment giants quietly met to discuss possible collaboration involving XRP. There has been no official confirmation from either SWIFT or Ripple that such a meeting took place, nor has there been any statement acknowledging partnership talks. Even so, the possibility alone leads to conversations as to whether Ripple and SWIFT could eventually find common ground. Ripple To Move Forward With SWIFT? Ripple has positioned itself as a technology company built to modernize cross-border payments, which is a sector that has always been dominated by SWIFT. That competitive posture has led to years of comparisons between the two. Related Reading: How SWIFT Could End Up Working With XRP For Global Payments Ripple executives, including CEO Brad Garlinghouse, have openly discussed capturing a significant share of the cross-border payments market historically associated with SWIFT. In one conference, Garlinghouse noted that Ripple plans to capture around 14% of SWIFT’s processing volume within the next five years. Rumors are that a private executive luncheon recently took place between Ripple and SWIFT executives in Miami. However, this is not the first time whispers of collaboration between SWIFT and Ripple have circulated on social media. Over the years, social media has repeatedly speculated about potential integrations and transitions to XRP-based liquidity. None of those claims have materialized into a formal partnership announcement. Nevertheless, the conversation continues to attract attention from industry figures. For instance, business legend Patrick Bet-David publicly stated that he is buying XRP and sees a $100 price target if integration with SWIFT were to happen. Can SWIFT Integrate With Ripple? While speaking at the 2025 XRPL Apex Conference, Ripple CEO Brad Garlinghouse stated that the XRP Ledger could capture about 14% of the volume currently processed by SWIFT within five years. However, replacing or even integrating with SWIFT is no small task, given the company is supported by decades of activity in financial institutions. SWIFT was founded in the 1970s and connects thousands of banks worldwide in over 200 countries and territories. Related Reading: How Much Would You Have If You Put $500 In Bitcoin In 2014 Vs. XRP? Interestingly, SWIFT itself has acknowledged that blockchain technology has a role to play in the future of global finance. Back in September 2025, the company announced that it is adding a blockchain-based shared ledger to its technology infrastructure. Ripple, on the other hand, has been working tirelessly with acquisitions and partnerships to increase its footprint within institutional finance and global liquidity corridors. Acquisitions include purchases of Hidden Road and GTreasury. The company is also expanding its reach by onboarding regional banking partners across Asia, the Middle East, and Europe. The idea of SWIFT integrating with Ripple is not really far-fetched. In theory, SWIFT could continue to handle standardized messaging while also integrating distributed ledger technology for faster settlement. Featured image from Adobe Stock, chart from Tradingview.com
XRP is increasingly being positioned as the core infrastructure for moving massive amounts of value across global financial networks. As trillions of dollars move daily across borders, platforms, and asset classes, the limitations of legacy systems are becoming impossible to ignore. Its core value lies in its ability to function as a neutral, high-speed bridge between disparate financial systems. Is XRP Becoming A Standard Layer For Value Transfer? XRP is building the rails for trillions, and the shift is already happening. Crypto analyst Xfinancebull reported a video on X where Ripple CEO Brad Garlinghouse revealed at Davos 2026 that the payment firm has been working directly with banks around the world to connect tokenization and DeFi through the XRP Ledger, thereby turning it into a bridge between traditional finance and on-chain markets. Related Reading: Japan’s XRP Integration Signals A Shift In Global Capital Flows The number alone shows how fast the tokenized asset is moving. In just one year, the volume has grown from $19 trillion to $33 trillion, which is a 75% increase. According to Xfinancebull, most people still have no idea how big this will get. This is the shift; the rails are being laid right now, and XRP Ledger is one of the few networks that are ready to handle it. When institutional money starts moving at scale, it won’t care about the narratives or favorite altcoins. Instead, it will flow to where the infrastructure already exists, which is bullish for XRP. Why Respecting Channel Levels Signals A Healthy Market Structure The XRP market capitalization structure still looks constructive. An analyst known as Bird has highlighted that on the higher-time frame chart, XRP has been moving inside a clear descending accumulation channel for the past six months, and price has respected the top, mid-range, and bottom of that channel almost perfectly, which is exactly what should play out during a healthy accumulation phase. Related Reading: XRP Maintains Bullish Bias Above $1.30 Despite Recent Rejection Recently, the price pushed into the upper half of the channel, and then pulled back this week to retest the mid-range support. If this level continues to hold, the structure suggests that the altcoin is set up for another push higher, in Bird’s opinion. However, what makes this setup more interesting is how well it lines up with what’s happening across the broader market. The Russel 2000 is sitting at all-time highs, metals are starting to look like they are topping, Bitcoin dominance is beginning to feel heavy, Brad Garlinghouse speaks at Davos today, and the recent wave of community riddles has dropped this week. Bird concluded that when multiple signals start lining up like this, it usually means the market is preparing for a larger move. From the chart perspective, Bird remains bullish on the XRP setup. Featured image from Peakpx, chart from Tradingview.com
XRP is trading at around $2.06 on January 13, 2026, leaving its price action a full step below the zone that capped its last rally that ended with a high of $3.65 in July 2025. However, predictions that point to XRP reclaiming that peak and then pushing into new highs above $3.8, have been on the front page of bank research notes and trader-led chart projections. Notably, various technical analyses have suggested that XRP is programmed to return back into the upper-$3s and into new price territories this year. Standard Chartered’s XRP Target Clears $3.8 XRP’s all-time high price now looks out of reach, especially considering the cryptocurrency is now struggling to leave $2 behind. At the time of writing, XRP has dropped by about 44% from its July 2025 peak of $3.65, but institutional buys from Spot XRP ETFs are still giving glimmers of hope. Related Reading: XRP Back At The Edge: Will Breaking $2 Barrier Rewrite Its History? One of the most recently notable institutional-style projections from XRP comes from Standard Chartered’s digital assets research, which lays out a multi-year path that sees XRP breaking well above the $3.8 threshold. According to analysts at the bank, XRP is slated to reach as high as $8 by the end of 2026, a level that comfortably eclipses the previous peak and implies roughly 300% upside from current levels if certain conditions hold. Interestingly, this outlook came from Geoffrey Kendrick, Standard Chartered’s Global Head of Digital Assets Research. The prediction was made based on an outlook of continued institutional adoption and strong inflows into XRP-based spot ETFs. Technical Outlooks As Ripple Heads Into A Consequential 2026 Recent technical commentary from multiple analysts has converged on a bullish bias for XRP. For instance, XRP analyst EGRAG CRYPTO pointed out a developing breakout retest structure on the monthly candlestick timeframe. According to the analyst, historical probabilities favor upside as long as XRP holds above the $1.60 to $1.40 range on higher timeframes, with long-term channel projections placing the XRP price as high as $22. For a shorter-term perspective, Crypto Feras described XRP’s recent break above $2 as a bullish reversal signal. His analysis points to $2.67 and $3.01 as the next resistance levels, areas that could open the path toward a full retest of the prior peak near $3.8 if cleared. Adding to this, ChartNerd noted that XRP’s long-term upside fractal structure is still valid despite the recent XRP price correction. Related Reading: Analyst Updates XRP Price Prediction: Why $16 Is Still On The Table These price projections are being viewed more favorably against the backdrop of Ripple’s momentum heading into the year. Ripple CEO Brad Garlinghouse recently pointed to strong progress in 2025 with examples of major acquisitions of Ripple Prime and GTreasury and a growing global licensing footprint. Now that Ripple is positioning itself for what its leadership has described as a consequential 2026, the combination of technical outlooks and company fundamentals has strengthened the narrative that XRP could be approaching a move to new all-time highs. Featured image from Adobe Stock, chart from Tradingview.com
Crypto analyst Javon Marks has provided a bullish outlook for the XRP price, predicting that it could rally to $14, frontrunning Bitcoin in the process. He alluded to a historical trend in which XRP outperformed BTC, which is why the analyst is confident that such price action can play out again. Analyst Predicts XRP Price To Rise To $14, Frontrunning Bitcoin In an X post, Javon Marks stated that the XRP price is set to outpace Bitcoin by over 600% this time around, which could spark a rally to over $14 for the altcoin. He noted that when XRP previously outran Bitcoin by over 240%, its price rose by over 570%. As such, he is confident that this can play out again. Related Reading: XRP Price On The Verge Of Another Crash, But There’s Still Hope The analyst’s accompanying chart shows that this XRP price rally could happen between now and mid-2027, with the altcoin outperforming Bitcoin during this period. Marks, however, failed to mention what could trigger such a price rally for the altcoin, considering that it has mirrored the flagship crypto so far in this market cycle. The XRP price notably has a year-to-date (YTD) loss of just over 7% while Bitcoin has a YTD loss of just under 2%. However, XRP is seeing renewed bullish momentum thanks to the spot ETFs, which launched between last month and this month. The XRP ETFs recently hit $1 billion in assets under management (AuM), becoming the fastest crypto asset to hit this milestone since Ethereum. As Ripple CEO Brad Garlinghouse noted, this highlights the demand for these crypto products, which could serve as a catalyst for a higher XRP price. Meanwhile, the XRP Ledger could soon see increased adoption following the release of the v3.0.0 upgrade, which could, in turn, boost XRP’s utility. XRP Still At “Decision Point” Crypto analyst CasiTrades noted that the XRP price is still at a decision point. She explained that until XRP breaks above the $2.41 resistance and pushes toward $2.65, the bullish scenario isn’t confirmed. On the other hand, the analyst stated that if the price drops back below $2.04 support, the more bearish path opens toward $1.73 and potentially $1.64, which is the .618 macro support. Related Reading: Betting Big On XRP: Billion-Dollar Asset Manager Confirms What Smart Money Has Been Doing CasiTrades reiterated that nothing has been confirmed for the XRP price as both scenarios are still fully in play. She indicated that this $2.04 is the best price level for traders to enter a position, as it positions them for either scenario. The analyst explained that if the price holds and runs upward, then these market participants are in before the confirmation. Meanwhile, if the price breaks down, they can place a stop just below support or at break-even. At the time of writing, the XRP price is trading at around $2.01, down over 3% in the last 24 hours, according to data from CoinMarketCap. Featured image from Adobe Stock, chart from Tradingview.com
XRP Spot ETFs have nearly crossed the $1 billion mark in assets under management (AUM), marking one of the quickest ramps since Ethereum, according to Ripple’s CEO. Related Reading: All-In On XRP: Why This Leading Investor Sold His Entire Bitcoin Stack Rapid Fund Growth In Weeks According to the disclosure, the four XRP ETF products now hold about $1.23B in total net assets, which equals 597 million XRP at a reported XRP price of $2.06. Reports have disclosed a fresh inflow of $30 million on Monday, Dec. 8, and the cumulative net inflow into these products stands close to $935 million. Ripple CEO Brad Garlinghouse highlighted that the collective figure reached the $1 billion level in under four weeks after the first fund hit the market. Canary Capital Leads With Heavy Flows Canary Capital’s XRPC grabbed the most attention at launch, bringing roughly $245 million in net flows on its debut day on Nov. 13. Canary’s fund holds about 335.889 million XRP, valued at approximately $691 million, which represents 56% of the combined assets across the four funds. ????
Reports have disclosed that Ripple CEO Brad Garlinghouse told a Binance-hosted panel he expects Bitcoin to reach $180,000 by December 31, 2026. Related Reading: Eric Trump Says Bitcoin Could Hit $500,000, Stands By ABTC Strategy Bank Moves Could Be The Spark According to market coverage, Bitcoin tumbled about $5,000 in roughly three hours during early December, wiping more than $200 billion from the broader crypto market and triggering nearly $700 million in liquidations. That sudden drop has been linked to moves in traditional markets, not a single crypto event. Some analysts point to a change in Japan’s bond market that is pressuring the long-running yen carry trade. Reports say the Bank of Japan’s policy path is now in focus, with a key decision due in mid-December that could move global risk appetite and the yen. Whales Bought While Prices Fell On-chain trackers show large investors added to holdings during the drop. According to on-chain data aggregators, accumulator addresses picked up about 375,000 BTC over recent weeks. That figure, if measured the way those firms define “whales,” suggests big players were buying into weakness. Miners Also Cut Back Sales Based on market commentary, miner selling has slowed sharply. One widely cited dataset shows miner outflows fell from roughly 23,000 BTC per month to about 3,672 BTC in the most recent window. That drop in miner supply was flagged as a possible tailwind for price if it persists. ETF Money Flows And Model Targets Reports have also tracked ETF movements, noting several billion dollars left Bitcoin ETFs in November, and that flows remain a key short-term force for price direction. Meanwhile, major banks have published valuation work that places fair-value scenarios well above current levels — for example, JPMorgan analysts have argued a model-based target near $170,000 under certain assumptions. How Realistic Is A $180,000 Outcome? Putting these pieces together, hitting $180,000 by the end of 2026 is possible in a bullish scenario where institutional demand resumes, whale buying continues, miner selling stays low, and central-bank moves help risk appetite. But it would require sizeable, sustained inflows and a benign macro backdrop across many months — not just a one-off rally. Garlinghouse remains optimistic about his forecast. Related Reading: Bitcoin Trail Ends: $29M Seized After European Authorities Shut Down Cryptomixer Signals To Watch Next Bank of Japan guidance in mid-December could influence Bitcoin’s next move. Daily ETF flows and open interest have shown significant shifts recently. On-chain data indicates that accumulators added around 375,000 BTC while miner selling dropped sharply. These figures, if confirmed by the original data sources, may play a major role in shaping near-term price action. Garlinghouse’s $180,000 call is a high-profile, optimistic view that matches other bullish models on the market. Reports show real volatility and major flows are already shaping price. For now, the forecast is an opinion rooted in plausible scenarios — one to watch, not a certainty. Featured image from Pexels, chart from TradingView
The speculation surrounding a potential BlackRock XRP ETF has surged to new heights. This surge is a direct consequence of the astonishing market debut of the Canary XRPC ETF. Canary XRP ETF’s launch has painted a clear picture of robust institutional and retail demand for a regulated XRP investment product. Why XRPC’s Success Fuels BlackRock Rumors As the speculation around a potential BlackRock XRP ETF is heating up again, the Canary XRPC ETF has delivered one of the strongest launches of the year. An analyst known as Skipper_xrp has noted on X that the newly listed fund stunned the market with over $58 million in first-day trading volume and $245 million in net inflows, outperforming hundreds of ETF debuts of 2025. Related Reading: XRP ETF Completes First Full Day Of Trading, Here’s Why The Community Is Shocked Skipper_xrp mentioned that many supporters in the XRP community still believe that BlackRock might already be quietly experimenting with or even testing the idea of an XRP trust behind closed doors. The momentum has increased further after Ripple CEO Brad Garlinghouse made a statement at the company’s Swell event, highlighting that Ripple’s ongoing collaboration with major traditional financial firms will bring digital asset adoption into regulated global markets. However, with the ETF inflows accelerating and XRP gaining more visibility among institutions, many investors are now arguing that it’s only a matter of time before a heavyweight firm like BlackRock will consider stepping into the XRP space. Understanding XRP’s Long-Term Growth Trajectory Crypto trader Adam_Xrp has also offered some insight on why XRP didn’t moon when the first ETF was launched. According to the expert, the XRP ETF launch was never going to be a flip-the-switch moment. Even with the first XRP ETF going live, price action was building slowly, and the institutional money did not pour in all at once. Rather, it scales over time as confidence and liquidity grow. Related Reading: New XRP ETF Just Dropped, But Will Anything Be Different This Time? Furthermore, the altcoin is still early in the rollout, and more XRP ETFs are scheduled to begin trading. Each new product will increase exposure, volume, and demand. This is how true institutional adoption is slowly progressing. BlackRock has stated that the company is not launching an XRP ETF right now, but this isn’t something they would ignore forever. However, once the regulatory path is fully cleared and institutional demand strengthens, it’s only a matter of time before the biggest players, like BlackRock, will step into the arena. Adam_Xrp concluded that the altcoin wasn’t supposed to skyrocket overnight. This phase is a gradual process of foundation building as the ecosystem, liquidity expansion, and the institutional framework grow. The expert added that if you expect to get rich overnight, without understanding the long-term game plan, then XRP might not be the right investment for you. Featured image from Pxfuel, chart from Tradingview.com
The Federal Reserve Chair Jerome Powell has hinted at plans to begin adding reserves back to the system. For XRP holders, the shift could prove pivotal. As the Fed prepares to inject fresh reserves, the XRP could once again benefit from an environment of expanding liquidity and easing financial conditions. XRP holders are paying close attention as Federal Reserve Chair Jerome Powell signals that the Fed will soon add reserves to its balance sheet, subtly setting the stage for the next phase of US monetary policy where digital reserves are not optional. Crypto analyst Xfinancebull has noted on X that President Donald Trump had recently mentioned that the US maintains a crypto stockpile, and XRP was among the assets held. Why Fed Reserve Growth Could Be The Spark XRP Has Been Waiting For The claims that Ripple is not just another startup, but a US-born solution to a quadrillion-dollar global payment challenge. This infrastructure is led by individuals who have met with presidents and policy architects like Brad Garlinghouse and Stuart Alderoty. Meanwhile, XRP has already held legal clarity and enterprise utility in the US. “What if XRP is not merely surviving regulation, but being positioned for integration?” XFinanceBull asked. Related Reading: Ripple Announces Major Partnership With Mastercard To Power Payments With XRP Ledger Ripple technology continues to demonstrate why XRP stands apart from every other digital asset. A publisher, Wilberforce Theophilus, highlighted that the Ripple XRP US patent number 10,902,416, and the US patent number 11,998,003 make XRP the undisputed cryptocurrency in the world. The publisher predicts that the US Gross Domestic Product (GDP) will eventually rest on the Chainlink ledger, and every asset will be hosted on the XRPL. At the same time, LINEA will serve as the secure messaging system connecting banks, while HBAR will provide the security layer that will underpin the entire network. These protocols form a coordinated framework to position XRP as the reserve asset currency, and its market capitalization could multiply exponentially. XRP was designed to replace the old financial system. Theophilus concluded that “once everything is properly positioned, individuals will be glad they joined crypto at this stage,” and he will be writing on why there are several regulations coming from the white house.” How XRP Is Inheriting The World’s Payment Rails The XRP Ledger is entering an unexpected moment that the crypto market has not seen before. JackTheRippler has stated that XRP holders should pay attention that the true value is about to be unlocked beyond imagination. He claims that a clear view of what’s unfolding will provide insights into why $10,000 and even $35,000 per XRP is not just a fantasy, but is entirely possible. Related Reading: XRP Price Gains Fade, Market Turns Cautious After Another Weak Session According to JackTheRippler, Ripple CEO Brad Garlinghouse has made it clear that Ripple is positioned to capture trillions from the global banking system, and “these are the real numbers, not speculation.” November 17 could become a historic turning point for XRPL. Featured image from Pexels, chart from Tradingview.com
In a shocking flash surge that stunned traders worldwide, XRP’s price briefly skyrocketed to unprecedented heights on several major exchanges before rapidly collapsing back to its previous levels within seconds. The extraordinary spike triggered a wave of confusion across the crypto community, prompting questions about data integrity, liquidity anomalies, and possible faults in exchange systems. How The Event quickly spread And Was interpreted online The digital asset world was set ablaze recently when XRP inexplicably surged to an astonishing $9,800 across multiple exchanges for several seconds. According to KingXRP’s post on X, many experts believe that this was a test run for XRP’s upcoming role as a global reserve currency. Related Reading: XRP’s 100 Billion Supply Is By Design – Insider Reveals Why KingXRP noted that the $650 trillion global real estate market is actively preparing for mass tokenization on the XRP Ledger through the RealFi platform, powered by the real token. While REAL is currently trading at $0.03, analysts in the community are projecting that the token could rapidly surge to $176.99, especially once major Centralized Exchange (CEX) listings go live. KingXRP concluded that a massive supply shock may be imminent. Crypto analyst Skipper_xrp has emphasized that a former central banker and regulator, Marius Jurgilas, believes that XRP Ledger (XRPL) is setting the stage for massive-scale institutional investment inflows, potentially worth trillions. According to the expert, the focus is on utility, not speculation. This is a new era project of open and people-powered journalism with the BXE token, which is set to launch on a centralized exchange on November 14th. This BXE token powers a decentralized media platform built directly on the XRP Ledger, and it’s now live with an impressive fleet of 104+ authors and over 300 articles. Currently, BXE is trading at a humble $0.07, while analysts are forecasting a monumental jump to $19 and even $24. Why Utility Chains Will Outlast The Speculative Cycle An analyst known as the unknowDLT has also mentioned that Brad Garlinghouse stated a few days ago that we are officially closing the era of speculation and transitioning into the era of utility. At the core of this impending paradigm is XRP. The altcoin has been building foundational relationships, positioning itself at the center of this change, and engaging with regulators from day one. Related Reading: Financial Analyst Reveals How XRP Will Bridge Physical And Digital Value However, the imminent impact of the Clarity Act will relegate a staggering 99% of projects to values bordering on zero. It is no coincidence that this current speculative bull run feels profoundly different from previous ones. Meanwhile, Rosie Rios, the former US Treasurer and figure who literally signed the fiat currency of the old world, knows the role XRP is designed to play in the new financial system. Featured image from Freepik, chart from Tradingview.com
A prominent crypto commentator known as Remi Relief has expanded on theories linking Ripple, SWIFT, and the global banking system to the long-term valuation of XRP. His post on the social media platform X came in response to a discussion initiated by well-known analyst Paul Barron, who questioned whether Ripple’s strategy has always been to bridge the increasingly fragmented world of bank-issued stablecoins. The idea brings attention to XRP’s utility in facilitating liquidity between institutional networks, with Remi Relief noting that this could push the XRP price to $1,000. The Ripple/SWIFT Dual-System Theories Remi Relief proposed that the global payment structure could split into two interconnected systems where both ultimately rely on XRP for settlement and support the cryptocurrency’s price at $1,000. The first theory proposes a revamped version of SWIFT that would retain much of its existing framework but incorporate blockchain-based assets such as XRP, XDC, HBAR, and Chainlink to achieve faster transaction speeds and improved efficiency. Despite these upgrades, it would still face skepticism from some financial institutions due to it being weaponized in the past. Related Reading: Ripple CTO Stacks XRP Ledger Against Other Blockchains, What’s The Catch? The second theory is the setup of a new Ripple-based network built in collaboration with Thunes, which would function as a more trusted and independent channel for cross-border payments. This system would be much quicker, much cheaper and more trusted by countries. In Remi’s view, both models would coexist for a time, giving banks and governments the freedom to choose based on transaction scale, cost, and reliability. However, he believes that the Ripple-Thunes system will later gain dominance and overtake SWIFT as more and more banks use that system. Regardless of which of the two theories prevails, Remi Relief pointed out that both have the potential to lead to a $1,000 XRP more quickly than most people think. Paul Barron’s Perspective On Institutional Stablecoins Paul Barron’s initial post that prompted Remi Relief’s response is based on the growing race among major banks to issue their own stablecoins. He pointed out that while SWIFT continues to promote neutral rails, banks like JPMorgan, Bank of America, Citi, and Wells Fargo are developing US-based consortium stablecoins. Similarly, European institutions such as ING and Deutsche Bank plan to launch euro-denominated versions by 2026. Related Reading: High Liquidity At This Level Could Send The XRP Price Surging Soon Barron warned that this trend toward proprietary stablecoin systems would fragment the global financial network even further and create walled gardens where each bank’s stablecoin operates in isolation. In his view, such fragmentation will bring out the original purpose of XRP, and this might have been the plan of Ripple CEO Brad Garlinghouse all along. The plan has always been to use XRP as a bridge asset capable of allowing interoperability between otherwise disconnected financial ecosystems. This function aligns with Ripple’s long-standing vision for the XRP Ledger as a neutral settlement layer for easy cross-border value transfer between different digital and fiat systems. At the time of writing, XRP is trading at $2.41 and is a long way away from trading at $1,000. Featured image from Freepik, chart from Tradingview.com
Evernorth has emerged as the latest powerhouse in institutional crypto accumulation, closing in on its ambitious XRP treasury goal. In just a few days, the firm has reached 95% of its accumulation target, marking a major milestone in XRP’s journey toward broader institutional adoption. The rapid growth of Evernorth’s reserves and its strategic partnerships has sparked renewed excitement across the XRP community, signaling what could be a pivotal shift in how institutions engage with the cryptocurrency. Evernorth Nears $1 Billion In XRP Holdings A new report from CryptoQuant has revealed that Evernorth’s XRP holdings is now nearing the $1 billion funding milestone, positioning it among the top institutional holders of the cryptocurrency. According to JA Maartunn, a community analyst at CryptoQuant, Evernorth currently holds 388,710,606.03 XRP, reaching 95% of its $1 billion target. Related Reading: Rumors Circulate That Ripple Is Buying $1 Billion Worth Of XRP — Here’s What We Know The company’s total XRP treasury is now valued at approximately $947,183,571, with unrealized profits of roughly $46 million generated in four days. This figure reflects an average purchase price of $2.44 per XRP, which Maartunn believes could become a defining price level for the cryptocurrency’s market trajectory. Notably, Evernorth’s XRP treasury comes amid a broader trend of institutional diversification toward digital assets. Earlier this year, several major crypto treasury institutions—most notably Strategy, with its aggressive Bitcoin accumulation strategy, and The Ether Machine, with its dedicated focus on Ethereum—set the tone for large-scale crypto accumulation. Evernorth’s expanding holdings signal a decisive shift beyond BTC and ETH, underscoring a maturing institutional demand for alternative layer-1 assets. It also suggests that XRP may become the next frontier for institutional treasuries seeking exposure to high-liquidity, regulated crypto assets. Evernorth’s XRP Growth Strategy Asheesh Birla, the CEO of Evernorth, introduced the treasury company last week, on October 20, through an X post. He described it as an institutional vehicle built to propel XRP’s global adoption. The announcement detailed the company’s plans to go public through a SPAC merger with Armada Acquisition Corp II (NASDAQ:AACI), targeting gross proceeds of more than $1 billion. Related Reading: XRP Price Teleport To $6: What Happens When The Euphoric Phase Begin Evernorth’s growth strategy includes acquiring XRP through innovative financial structures designed to maximize XRP per share and expanding internationally into key markets like Japan and South Korea. The company also plans to diversify its yield generation through risk-mitigated treasury deployment. These initiatives reflect a deliberate, structured approach toward building a long-term institutional presence around XRP. Ripple CEO Brad Garlinghouse has also praised Birla’s initiative, noting Ripple’s partnership and investment alongside prominent firms such as SBI Holdings, Pantera Capital, Kraken, GSR, and Rippleworks. Garlinghouse said that Evernorth’s participation in institutional lending, liquidity provision, and DeFi yield opportunities will be instrumental in expanding XRP’s utility. Ripple’s CTO, David Schwartz, who joins Evernorth as a strategic advisor, echoed this sentiment, expressing enthusiasm for building scalable opportunities for XRP across DeFi and capital markets. Featured image from Adobe Stock, chart from Tradingview.com
The XRP market is bracing for a new phase of intense volatility, with anticipation growing around key legal, regulatory, and institutional developments. Ripple CEO Brad Garlinghouse has recently addressed the XRP community, offering guidance and setting expectations for what is to come. XRP Unusual Stability May Be Setting Up A Major Move The cryptocurrency world is buzzing with increased anticipation for XRP, following a series of strategic announcements from Ripple and compelling technical analysis. Popular crypto news source CryptosRus has highlighted on X that the altcoin is poised for a sharp move, as Ripple CEO Brad Garlinghouse has mentioned that investors should be prepared for a substantial shift. Related Reading: Ripple Labs’ $1 Billion XRP Treasury Strategy: Will It Lead To A New Rally Toward $10? At the core of this move, Ripple has just launched Ripple Prime, a new global prime brokerage service tailored for institutional clients. According to the company, Ripple Prime will be powered by Ripple’s foundational digital asset infrastructure, encompassing its robust solutions for payments, crypto custody, and stablecoin capabilities, alongside XRP. However, CEO Brad Garlinghouse called this move another step toward building the internet of value, emphasizing that the XRP sits at the center of everything Ripple does. CryptosRus noted that the altcoin has recently bounced off a key support level at $2.33. This technical indicator is signaling a potential 30% rally, with an initial target of $3.45 or even higher, as market momentum continues to build. An analyst known as TylerHillYT, who is also the president of FluenceGlobal and Co-Founder of the CSS, has also stated that the XRP price comeback is showing structural strength. In just a day, the token burn rate spiked 29%, mirroring its 29% price surge, signaling a synchronized increase in both on-chain demand and heightened investor activity. This Ripple’s deeper expansion into traditional finance and the recent launch of Ripple Prime have caused the network usage to ramp up again. TylerHillYT emphasized that at the accelerated pace, XRP is not just riding a wave of market momentum, but it’s rebuilding its long-term narrative. However, the burn acceleration with renewed institutional traction could be the early signs of a sustained upward trajectory, pushing the token structurally toward the $3.00 mark. Connecting Market Surge To Foundational Growth While the digital asset market is vibrating with renewed excitement surrounding XRP, a prominent crypto influencer and creator on Binance and CMC, Jack, has revealed that the bulls have firmly smashed through the critical $2.55 resistance level with conviction. This decisive breakout has now set the immediate sights of traders on $2.80 and beyond. Related Reading: XRP Price Under Pressure — Bulls Attempt To Defend Key Support Zone Jack mentioned that whale activity is back, and the Open Interest (OI) is climbing steadily, while sentiment is flipping fast. If this powerful momentum holds, the next significant pit stop for XRP could be the $3.00 mark and beyond. Featured image from iStock, chart from Tradingview.com
The deal, pending regulatory approvals, would give Ripple access to large enterprise clients as it is building out financial services around its digital asset business.
CEO Brad Garlinghouse, whose company is seeking a federal bank license and Federal Reserve "master account," called banker pushback "hypocritical."
Crypto analyst Xena has declared that the XRP price will definitely reach $10,000. The analyst further gave reasons why she holds this belief and likened XRP’s potential run to that of Bitcoin. Why The XRP Price Will Reach $10,000 In an X post, Xena asserted that the XRP price will reach $10,000 without a doubt. She noted that some market participants argue that XRP should at least cross its all-time high (ATH) first before such projections, but the analyst believes that is not the point. The analyst suggested that market participants are too focused on the short-term, while alluding to how people said Bitcoin should reach $1,000 first when articles said it would reach $1 million. Related Reading: How The XRP Price Can Go To $100 And What Is Required To Reach $1,000 Xena remarked that many regret not holding a few Bitcoin today, seeing how it has surged amid these predictions. She told market participants that they have the choice to be sarcastic and do nothing, or hold XRP and be patient in anticipation of the XRP price rally. The analyst then drew attention to when she bought BTC between $200 and $600 and Ethereum at $5. She explained that she took a leap of faith back then and is now happy with her decision, seeing how the two largest coins by market capitalization have surged to massive heights. Xena noted that people also said the same thing that they are currently saying about the XRP price back then, that BTC and ETH won’t reach a particular price. Xena claimed that the naysayers would always exist and have their own convictions while they think they know better. However, she doesn’t believe that they know better than Ripple’s co-founder and XRP Ledger developer Arthur Britto, who the community claims predicted that the XRP price would reach $10,000. The Ripple Factor For The Projected Rally Xena also suggested that she believes the XRP price can reach $10,000 based on Ripple’s supposed hint about higher prices for the altcoin. She specifically alluded to the $589 price target and remarked that the crypto firm has been hinting that there is something special about this number. Related Reading: Pundit Reveals What Will Happen When XRP Price Hits $100 And $1,000 She further noted that Ripple CEO Brad Garlinghouse has been following only 589 people with so much consistency. The analyst then questioned community members whether they would prefer to listen to X haters or Ripple CTO David Schwartz, she claimed clearly told them that XRP can reach a high price depending on different factors. Xena added that when Arthur Britto says that XRP is designed to reach $10,000, then the community should pay attention. At the time of writing, the XRP price is trading at around $2.81, down over 6% in the last 24 hours, according to data from CoinMarketCap. Featured image from Adobe Stock, chart from Tradingview.com
According to market analyst Common Sense Crypto, a $1,000 bet on XRP today could turn into between $10,000 and $50,000 during this cycle. Related Reading: $120K Bitcoin In Sight: 90-Day US–China Tariff Truce Fuels Market Optimism He pointed out that the same stake in Bitcoin would likely top out at around $1,300–$1,500. That claim has caught the eye of many investors who are weighing where to put their crypto dollars. Strong ROI Comparison Common Sense Crypto ran the numbers. At XRP’s current price of $3.18, a $1,000 buy-in nets roughly 315 tokens. To hit $10k, each XRP would need to trade at $31.80. If XRP somehow climbed to $160, that small stake would swell to $50k. By contrast, a $1k purchase of Bitcoin at $120,000 today would only need BTC to rise to about $154k–$178k to yield the same $1,300–$1,500 returns. Here’s a quick fact to ponder, if you put $1,000 into $xrp today you will most likely end up with at least $10,000 – $50,000 in this cycle, if you put the same $1,000 into $btc you will most like only end up with $1300 – $1500. ROI (return on investment) is more important than… — Common Sense Crypto (@TheCSCrypto) July 12, 2025 Those are gains in the 30–50% range. This puts XRP’s upside in a very different league when viewed purely as percentages. Still, size matters. XRP’s market cap sits near $188 billion. Bitcoin’s floats around $2.37 trillion. To push XRP to $159, its valuation would need to balloon to roughly $9.5 trillion—nearly four times Bitcoin’s current size. That would require massive new inflows and adoption on a scale we’ve never seen in crypto. XRP Tops $3; CEO Sets Sights On 14% Of SWIFT Ripple’s XRP finally breached the long-awaited $3 mark after US President Donald Trump announced a new US strategic crypto reserve, including XRP and other digital assets. As one of the most traded cryptocurrencies, XRP enjoys high daily trading volumes, ensuring price stability and ease of entry for institutional investors. Ripple’s chief executive, Brad Garlinghouse, predicts that within five years, Ripple will handle about 14% of SWIFT’s worldwide cross‑border transaction flows. Related Reading: Countdown To August 15: What XRP Investors Need To Know Past Cycle Performance Other voices have made similar points. In June, Edoardo Farina of Alpha Lions Academy noted that between November 2024 and January 2025, XRP jumped from $0.50 to $3.40. That’s a 7x return in just two months. Bitcoin, in that same window, climbed from $68k to $112k, a 60% gain. Farina calculated that $50k in XRP would have grown to $340k while the same investment in Bitcoin would have become about $82,352. The XRP 50x Challenge XRP’s promise of turning $1,000 into as much as $50,000 is eye‑catching. Its past leap from $0.50 to $3.40 in just two months shows what’s possible. But growing its market cap from $188 billion to $9.5 trillion means a tidal wave of new money and clear legal rules. Featured image from Meta, chart from TradingView
Ripple’s Chief Executive Officer (CEO), Brad Garlinghouse, has issued a serious warning to XRP investors amid a surge in scam activity targeting investors across social media platforms like YouTube. The alert follows increasing reports of fraudulent accounts impersonating Ripple and its executives, with the aim of tricking users into sending their XRP. Ripple Warns Investors Of Rising XRP Scams On July 23, Garlinghouse took to X social media to raise the alarm on a sharp rise in XRP scams, urging investors and community members to stay alert. According to the Ripple CEO, scammers are capitalizing on market momentum and community excitement to ramp up impersonation schemes, particularly targeting unsuspecting XRP holders. Related Reading: How Ripple Is Taking On SWIFT To Grab 14% Market Share As XRP Price Surges One of the most notable developments flagged by Garlinghouse is a recent surge in fraudulent activity on YouTube, where scammers have taken over existing channels, rebranded them to resemble recognized Ripple accounts, and begun promoting misleading content that impersonates the crypto company and its executives. In its official X account, the Ripple team stressed that these YouTube accounts are legitimate and do not belong to the crypto firm, despite appearing convincing. In many cases, the usernames have been altered to mimic the company’s official handles, often making it difficult for unsuspecting users to identify the deception. These scam videos frequently promise giveaways, rewards, or investment multipliers, usually asking users and investors to send XRP in exchange for a larger return. Garlinghouse has emphasized that neither he nor Ripple will ever request XRP from anyone under any circumstances. To combat the growing threat of skyrocketing crypto scams, Ripple is actively and aggressively reporting these fraudulent accounts and encouraging its community to do the same. The company has reiterated that its official channels remain the only trusted sources of communication and provides a direct reminder to always verify account handles and links before engaging. Notably, Garlinghouse concluded his post with an important reminder to stay vigilant against avoidable losses. He warned that “if it sounds too good to be true, it probably is.” Ripple Alert Highlights Broader Threat Amid Market Recovery Beyond the immediate focus on the YouTube impersonation scams, Garlinghouse’s report touches on a broader trend of escalating crypto fraud that tends to spike during periods of market recovery or growing optimism. This pattern, described by the Ripple CEO as “like clockwork,” suggests that malicious actors closely monitor community sentiment and time their campaigns to exploit emotional and financial excitement. Related Reading: XRP Transactions Barrels Over $1 Billion To Monthly Highs, Are Whales Driving The Next Leg? In a broader context, the rise in XRP scams has coincided with the recent surge in the altcoin’s price to above $3.6. Additionally, they come after bullish news like Ripple’s growing regulatory clarity and legal win against the US SEC. As the XRP price inches closer to ATH levels and gains more momentum, bad actors are leveraging this wave of optimism to cast a wider net, targeting investors through sophisticated scams and fraudulent schemes. Featured image from Getty Images, chart from Tradingview.com
Ripple’s ambitions in the global payments space have grown louder and more direct, as its CEO Brad Garlinghouse, openly stated at APEX 2025 that the company is aiming to take over SWIFT’s customer base. The commentary follows Ripple’s long-term strategy to shift global banking infrastructure away from legacy systems to the blockchain-based XRP Ledger. Meanwhile, central banks are increasingly taking note, with recent reports revealing that the capacity of Ripple’s network is currently being studied alongside SWIFT’s systems in experiments. Garlinghouse Sets Sights On SWIFT’s Market Share Speaking at the APEX summit, Ripple CEO Brad Garlinghouse declared that Ripple’s goal is not only to compete with SWIFT but to replace its role in moving money on the global scale. According to Garlinghouse, although SWIFT is very dominant in messaging, the most important thing is the liquidity that banks can provide. Related Reading: Ripple To Replace SWIFT? XRP Analyst Breaks Down Recent Developments “I think less about the messaging and more about liquidity,” he said. Ripple is targeting this deeper infrastructure among banks, which is the actual movement of value. Interestingly, Garlinghouse asserted that Ripple plans to capture up to 14% of SWIFT’s current cross-border volume within five years. That’s a bold number, especially considering the scale at which SWIFT currently operates. Recent estimates show that SWIFT currently facilitates more than 45 million financial messages and handles around $5 trillion in money transfers daily. Even a 14% share of that market would represent hundreds of billions of dollars in value flowing through Ripple’s ecosystem, which would create a significant demand for XRP in the process. Central Banks Are Tapping In Garlinghouse’s comments come at a time when institutional momentum appears to be shifting in Ripple’s favor. Interestingly, Ripple’s global push is not limited to private sector partnerships. A crypto enthusiast on the social media platform X known as Finance Bull recently drew attention to growing central bank interest in blockchain-based payment infrastructure. Unsurprisingly, Ripple’s technology is the key focus to this growing interest. Related Reading: Ripple Plans To Take 14% Of SWIFT Volume, USDC Lands On XRPL – What Does This Mean For XRP Price? Ripple’s xCurrent solution, which is built on the Interledger Protocol (ILP), was recently studied alongside SWIFT’s gpi system as part of Project Stella. Project Stella is a collaborative research initiative by the European Central Bank and the Bank of Japan. Basically, what this means is that central banks are starting to look into Ripple’s technology, which says a lot about the ecosystem’s outlook in the coming years. The fact that two of the world’s most influential central banks reviewed Ripple’s infrastructure alongside SWIFT is a signal that XRP’s utility is now being evaluated at the core of global monetary policy discussions. These developments closely align with what many fervent XRP supporters have long believed. There have been recurring predictions among the community’s most confident voices that XRP’s price is destined to move far beyond its current all-time high of $3.40. Some technical analyses have predicted double-digit prices for XRP. Other predictions for the XRP price are as high as $1,000. Featured image from Getty Images, chart from Tradingview.com
Crypto analyst Ripple Pundit has boldly predicted that the XRP price can surge 35,000%. He alluded to two things that need to happen for the altcoin to reach this ambitious target. Factors That Will Make XRP Price Surge 35,000% In an X post, Ripple Pundit stated that the XRP price will jump by over 35,000% on the day that Ripple makes their banking license public. He added that the SEC announcement of dropping its appeal will also boost the altcoin further. Ripple has applied for a national banking license with the Office of the Comptroller of the Currency (OCC). Related Reading: Can The XRP Price Rally 1,538x To Reach $3,380? Shocking Prediction This move is expected to expand the crypto firm’s services, which is bullish for the XRP price, considering the altcoin’s role in Ripple’s payment solutions. As such, XRP is likely to record more adoption, especially from institutional investors, as the crypto firm onboard more clients through this banking license. Crypto pundit Vincent Van Code also agrees that a Ripple banking license could have a massive impact on the XRP price. He recently predicted that the altcoin could rally to between $30 and $50. It is also worth noting that Brad Garlinghouse declared his 1,000% commitment to XRP, which indicates that the altcoin remains a huge part of the company’s plans. Meanwhile, as Ripple Pundit predicts, an SEC announcement of its decision to drop its appeal in the lawsuit against Ripple would also boost the XRP price. Ripple has already announced its decision to drop its cross-appeal. All that is remaining for the long-running legal battle to end is for the Commission to also drop its appeal. A conclusion of the lawsuit would finally remove the legal uncertainty that had plagued the altcoin for a long while. The Next Wave For XRP Starts Here In an X post, crypto analyst CasiTrades declared that the next wave for the XRP price starts from the $2.23 level. She claimed that the altcoin has continued to show strength during this consolidation. The analyst added that the Ripple bank charter application added serious momentum at just the right time. The news helped push XRP above the $2.25 resistance. Related Reading: Analyst Says XRP Is Moving According To Plan, Here’s Why $1.90 Is Important Commenting on the current price action, CasiTrades stated that the XRP price is now seeing rejection at $2.268, which is the .382 retracement of the local wave. She remarked that this suggests that XRP needs another low before launching higher. The analyst said that based on the technical indicators, the next best entry is lining up at $2.235. She explained that this level is the .236 retracement and that multiple internal subwave targets are clustering there. At the time of writing, the XRP price is trading at around $2.22, down in the last 24 hours, according to data from CoinMarketCap. Featured image from Getty Images, chart from Tradingview.com
A well-known crypto voice has stirred the pot by saying XRP could one day challenge Bitcoin’s top spot. His name is Charles Shrem, the guy behind the Blockchain Backer channel on YouTube. He’s been bullish on XRP for years. Now he’s saying outright that the altcoin is a threat to Bitcoin. That claim comes at a time when the altcoin is still trailing behind Bitcoin’s recent rally. Related Reading: TRUMP Token In Trouble? Over $4 Million Liquidity Exit Sparks Crash Fears XRP’s Rise And Fall Against Bitcoin According to charts, XRP jumped over 200% against Bitcoin from November 2024 to January 2025. That was an eye-popping move. Then things went south. Since February 2025, XRP lost about 30% against Bitcoin. Bitcoin, on the other hand, set new all-time highs after February. The crypto mostly hovered around $2. That big swing shows how fast fortunes can change in crypto markets. If it isn’t clear yet, XRP actually is a threat to Bitcoin. — Blockchain Backer (@BCBacker) June 26, 2025 Analyst Calls XRP A Serious Challenger Based on reports, Shrem has hinted at this view in the past. But he never put it so bluntly until now. He says Bitcoin fans feel threatened by XRP’s potential. He even pointed to online fights where Bitcoin maximalists blasted XRP and its backers. Shrem argues that those attacks prove it has real muscle behind it, at least in the minds of some big players. Trump’s Digital Asset Stockpile Debate In January 2025, US President Donald Trump signed an executive order asking a team to study a “digital asset stockpile.” It didn’t name Bitcoin or XRP. But the move sent shockwaves through crypto circles. The funny thing is… XRP was never mentioned in the executive order. But, the Bitcoiners have always known it’s the threat for the crown. That’s why the attack is on. They know. — Blockchain Backer (@BCBacker) January 24, 2025 Some Bitcoin supporters blamed XRP and Ripple’s boss, Brad Garlinghouse, for pushing to include the altcoin. That blew up into a heated online conflict. Shrem sees that clash as more proof of XRP’s rising profile. Bitcoiners are openly advertising that XRP may be a threat to overthrow Bitcoin. — Blockchain Backer (@BCBacker) January 24, 2025 Market Cap Gap Remains Wide XRP still has a long way to go. It trades at about $2.19 and boasts a market cap of $129.4 billion. Ethereum sits second with $295 billion. The crypto would need a 135% rise to hit $5. To match Bitcoin’s $2.125 trillion, the altcoin’s price must surge about $1,620% to $36. Back in October, analyst Dark Defender said XRP could reach $36. That call sounds bold today. Related Reading: Stablecoin Skepticism Grows As IMF Official Challenges Their Money Role Overcoming A Big Lead In Adoption XRP’s fast moves get people talking. Its ties to banks and quick payments give it a story that’s very different from Bitcoin’s. But displacing Bitcoin means overcoming a huge lead in adoption and mind share. For now, Shrem’s claim makes good headlines. Whether XRP can turn that talk into market gains is another question. For crypto fans, it’s one of the storylines to watch in the months ahead. Featured image from Enjoy Niigata, chart from TradingView
Ripple CEO Brad Garlinghouse predicted that XRP could soon take a chunk of SWIFT’s trading volume. Meanwhile, Circle’s USDC recently launched on the XRP Ledger (XRPL). Both developments could provide a huge boost for the XRP price, given the altcoin’s role in the XRPL ecosystem. XRP Price Gets A Boost With Ripple CEO Garlinghouse’s Prediction At the XRPL Apex Conference, Brad Garlinghouse predicted that the XRP could capture 14% of the volume that SWIFT processes by 2030. He noted that SWIFT has two key components: messaging and liquidity. The Ripple CEO added that liquidity is where the power lies and that if XRP drives the liquidity layer, it would gain significantly. This could also spark a surge in the XRP price in the process. Related Reading: Ripple Issues Stern Warning To Investors As CEO Celebrates New XRP Milestone Ripple uses XRP for its payment services, which it runs on the XRPL. In this case, Ripple is betting on taking 14% of SWIFT’s trading volume because of how fast and easy it is to process these cross-border transactions using blockchain technology. This isn’t the case for SWIFT, as the platform focuses more on interbank messaging for these cross-border transfers. In a now-deleted X post, pro-XRP lawyer John Deaton commented on this prediction and what it could mean for the XRP price. He stated that SWIFT processes approximately $5 trillion in transactions daily. This means that 14% of SWIFT’s daily market volume equates to $700 billion daily or approximately $175 trillion annually. Deaton failed to give a particular price prediction based on these numbers. However, Fruition, another XRP community member, provided a calculation that could put the XRP price in triple digits. In an X post, they noted that SWIFT moves 150 trillion per year and that 14% of that is 21 trillion. Fruition added that 21 trillion through the XRPL means 58 billion tokens, which equates to $357 for the XRP price. Circle’s USDC Launches On XRPL In an X post, Circle announced that its USDC stablecoin is now available on the XRP Ledger, another development that is bullish for the XRP price. The stablecoin firm noted that XRPL users will now be able to use USDC for DeFi liquidity provisioning, payments, and it could also serve as a settlement option for infrastructure apps. Related Reading: Daily Timeframe Says XRP Price Is On The Verge Of Breakout Crypto analyst Moon Lambo broke down why the USDC launch on XRPL is bullish for the XRP price. He stated that this development will substantially increase the total value locked on the network, which is a major predictor of whether the XRP price will appreciate. The crypto analyst added how this provides additional utility for XRP. He noted that the altcoin will be used to pay gas fees on every USDC transaction on the network. At the time of writing, the XRP price is trading at around $2.15, up almost 2% in the last 24 hours, according to data from CoinMarketCap. Featured image from Getty Images, chart from Tradingview.com
SWIFT dominates interbank messaging for cross-border transfers. Ripple can compete on its ability to seamlessly to move capital, Brad Garlinghouse said.
Garlinghouse says he's "bullish on stablecoins."
Crypto analyst Cryptoinsight has provided a bullish outlook for the XRP price, predicting that it could soon rally to as high as $12. He alluded to fundamentals and technicals, which could spark this parabolic rally. What Could Spark The XRP Price Rally To $12 In a YouTube video, Cryptoinsight highlighted the Dubai Land Department’s recent move to launch a tokenization platform on the XRP Ledger (XRPL) as one of the catalysts that could spark the XRP price rally to $12. He also mentioned other recent partnerships and major moves Ripple has made as factors that could contribute to the price surge. Related Reading: $10,000 XRP Theory: Factors Analyst Shares Scenarios That Could Drive Growth One is the crypto firm’s acquisition of the prime broker Hidden Road, which is expected to boost the XRP Ledger’s utility. This is ultimately bullish for the XRP price as the network’s native token. The crypto analyst also mentioned the alleged link between Hidden Road and the DTCC, which enables the prime broker to process trillions of dollars in US Treasury trades daily. Cryptoinsight also noted that Ripple has acquired a payments license in Dubai, which is bullish for the XRP price, since it is the native token of the crypto firm’s payment services. He alluded to reports of the crypto firm allegedly looking to acquire USDC issuer Circle and the XRP ETFs, whose approval odds continue to soar. Ripple CEO Brad Garlinghouse recently discussed crypto ETFs, which the analyst believes could be a hint that these ETFs will be approved soon. Lastly, he mentioned the XRP lawsuit as another event that could be a catalyst if the long-running legal battle ends soon. Cryptoinsight predicts that the XRP price rally to $12 could happen in the next few months. From a technical perspective, he also highlighted bullish indicators like a bull flag that had formed on XRP’s weekly chart. The crypto analyst stated that momentum is starting to reverse to the upside and that buyers could step in soon. The Altcoin On The Verge Of A Local Low In an X post, crypto analyst CasiTrades stated that the XRP price hasn’t made a local low yet but is on the verge of doing that. She remarked that all signs point to a retest of the $2.25 to $2.26 zone. The analyst added that this is a major structural support that aligns with the macro .382 retracement and has been a key level for the last six months. Related Reading: XRP Price Explosion To $5.9: Current Consolidation Won’t Stop XRP From Growing If that support zone holds, she claimed it could mark the base for a new wave toward $2.70. However, if it breaks, the deeper support levels at $1.90 and $1.55 would come back into focus, meaning that the altcoin could still drop below the psychological $2 level before the next leg up. At the time of writing, the XRP price is trading at around $2.30, down almost 2% in the last 24 hours, according to data from CoinMarketCap. Featured image from Getty Images, chart from Tradingview.com
Ripple CEO Brad Garlinghouse has expressed frustration after a meeting with pro-crypto US Senator Cynthia Lummis, who chairs the Senate’s Digital Assets Subcommittee, was canceled. In a May 19 post on X, Garlinghouse revealed he was in Washington, D.C., for discussions with lawmakers to promote reasonable regulations for stablecoins and crypto market structure. However, Garlinghouse […]
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Last August, New York judge Analisa Torres ordered Ripple to pay the regulator a $125 million fine for violating securities laws through institutional sales of XRP.
The crypto industry received a significant legal victory as Ripple CEO Brad Garlinghouse announced on March 19 that the U.S. Securities and Exchange Commission (SEC) had officially dropped its appeal against the company. The announcement came in a video posted on social media platform X, where Garlinghouse noted the regulatory agency’s decision to end its pursuit of further litigation. Besides this interesting development, another major financial development has taken center stage in the crypto market in the past 24 hours; the outcome of the Federal Reserve’s latest meeting. Fed Keeps Interest Rates Steady Amid Uncertainty The outcome of the latest Fed meeting can be divided into six key decisions. First, the Federal Reserve opted to maintain interest rates at their current level, keeping the borrowing rate in a range between 4.25% and 4.5% for the second consecutive meeting. This decision is part of a continued pause in the Fed’s tightening cycle. Related Reading: Bitcoin Price Crash: 6 Key Events To Watch Out For In Crypto This Week Secondly, the Fed noted that uncertainty surrounding the economy has increased, and third, the Fed’s updated projections were the shift in expectations for rate cuts in 2025. The median forecast suggests 50 basis points of cuts for the year, but a growing number of Fed officials are less convinced that rate reductions will be necessary. In December, only one official anticipated no rate cuts in 2025. However, there’s now a more divided outlook, and that number has now risen to four, as noted in a post on social media platform X by analysts at The Kobeissi Letter. Beyond interest rates, the Fed revised its economic growth projections downward for 2025, suggesting that policymakers see slower expansion ahead. This adjustment comes alongside an increase in the Fed’s inflation forecast for the same period, reflecting concerns about price pressures persisting longer than previously anticipated. With inflation remaining a key focus, the central bank is treading carefully as it evaluates the right time to pivot toward a looser monetary stance. Fourthly, the Fed announced that it would slow the pace of its balance sheet runoff beginning in April. This is alongside a sharp reduction in the Fed’s 2025 growth projections and a markup in their 2025 inflation forecast. Implications For Crypto Markets And Digital Assets For the crypto industry, the Fed’s decision to hold rates steady and its mixed messaging on future cuts introduce a dynamic situation to Bitcoin and others. The fact that the Fed is still concerned about inflation and economic uncertainty shows that the path to more accommodative policies regarding the crypto industry may not be as smooth. Related Reading: Crypto Market Sees Record Flash Crashes, What’s Going On? However, if the Fed stays hesitant to cut rates and economic growth slows as projected, digital assets may face headwinds later in the year, which may slow down the predicted growth by crypto analysts. Featured image from Unsplash, chart from Tradingview.com