Can XRP see a two-fold increase?
Adex Crypt is a market analyst. He says that “XRP appears poised to continue its bullish run in a parabolic fashion after rebounding off the neckline from a 7-year Double Bottom /Ascending Triangle Pattern, and has set sights on a modest target of $38.” The last time, the parabolic breakout was 2x bigger than its target.
According to this analysis, an XRP price increase of 2x will take it from the current $2.87 level up to $5.74.
Double Bottoms spanning seven years are a rare and extremely powerful formation.
The XRP price is likely to rise if it bounces back from this neckline, as the chart signals a macro-uptrend.
This move, coupled with increasing volume, ecosystem growth, and global integration via Fed’s ISO 20022, sets up a long-term rally, with the psychological $3 price now within the bulls’ sights.
SWIFT Losing Transactions To XRP Ledger
The SWIFT system is under increasing pressure as blockchain-based alternatives such as XRP Ledger, which are faster and cheaper, become more popular.
XRP Avengers called out this trend on X (formerly Twitter) and stated, “SWIFT has lost transactions to Ripple.” SWIFT’s transaction volume has dropped by 15%, while XRP Ledger transactions are surging. $XRP, which is cheaper and faster, as well as on-chain (on-chain) transactions, has quietly become the backbone for cross-border financial services. “Global payments are changing.”
Speed & cost efficiency unmatched
Even with the recent Global Payments Innnovation(GPI) improvements, SWIFT’s infrastructure typically takes between 1-5 working days to settle all transactions.
XRP, on the other hand, settles within 3-5 second, a huge leap thanks to its consensus protocol. SWIFT charges $10 to $50 per transaction in transfer fees. XRPL costs as little as $0.0002 for each payment.
Concentrate on liquidity and not just messages
SWIFT is primarily used to send payment messages via correspondent networks. Actual money, however, settles through liquidity arrangements. Brad Garlinghouse, Ripple CEO, has made it clear that XRP is aimed at the liquidity layer and not SWIFT messaging, allowing for rapid settlements without pre-funded account.
Due to this strategy, XRP has a greater impact. Banks do not need to maintain costly “nostro accounts”; instead, they can tap on-demand liquidity via XRP. This is a capital saver.
Rising On-Chain Volume
XRPL is growing at an unstoppable rate. It averaged 2.14 millions daily transactions in Q1 2025. This is a significant increase over the roughly 50,000 daily transactions it had been doing since 2013.
Payments account for almost 60% of transactions. From 1.5 million payments per week in 2023, they will reach over 8 millions by the middle of 25.
Ripple’s On-Demand liquidity (ODL), which is used by institutions, has also risen, as over 15 billion dollars worth of transactions were made in 2024. This represents a 32 percent increase year-over-year.
SWIFT Share Captured by the 14% Vision
Brad Garlinghouse, Ripple’s CEO, boldly predicted that XRP would be able to handle 14% SWIFT liquidity in five years at the XRPL Apex conference held in June.
SWIFT processes $150 trillion a year, which is about $21 trillion a year.
Analysts point out, however, XRPL does not need to have all of that capital in one place. Transaction velocity allows tokens to reused more than once, reducing the on-chain liquid requirements.
Ecosystem, Partnerships & Adoption
RippleNet has over 300 financial institution in more than 45 different countries. More than 40% of them use XRP based ODL. Launching its EVM compatible sidechain by Q2 2025 will further expand integration options.
SWIFT is gaining ground in Latin America and Asia-Pacific as well as Africa.
The conclusion of the article is:
XRPL’s low-cost, real-time model is replacing SWIFT’s message-based architecture and slow settlement.
XRP Ledger is poised to take over SWIFT’s global payments market with its booming volume and institutional support. It could even capture double-digit percentage share within a short time.
It remains to be determined whether XRP’s 2x growth will occur as a recovery from a double-bottom of 7 years gains momentum.
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