1 Important Tailwind That Could Send XRP Skyrocketing

Published: Thursday, October 23, 2025 at 2:47 pm

XRP's Potential Surge: Can It Challenge SWIFT?

XRP, the third-largest cryptocurrency by market capitalization, is experiencing significant momentum, currently valued near $152 billion. This surge follows a period of positive developments, including the resolution of a major legal case against Ripple, the company behind XRP, by the Securities and Exchange Commission.

XRP operates on a robust technical network capable of processing 1,500 transactions per second. This capability positions XRP to potentially revolutionize international money transfers. The Ripple ecosystem, which serves clients in the traditional finance sector, utilizes XRP to facilitate faster and more capital-efficient cross-border payments.

A key factor that could significantly boost XRP's value is its potential to capture market share from SWIFT, the established global messaging system used by banks for international transactions. Ripple's CEO, Brad Garlinghouse, believes the Ripple ecosystem, including XRP and its stablecoin RLUSD, can attract international payments volume away from SWIFT. Ripple's solution offers banks nearly instant, around-the-clock payments to over 90 markets, utilizing stablecoins or local currencies. This system also provides on-demand liquidity, eliminating the need for banks to pre-fund accounts, thereby freeing up capital.

If the Ripple ecosystem successfully gains traction and increases its use for international payments, it would validate XRP's real-world utility. This increased utility would likely drive up demand for XRP, potentially leading to a substantial price increase.

While Ripple has secured notable clients, such as BBVA, the extent of XRP's current use for international payments remains uncertain. Furthermore, Ripple faces competition from other emerging blockchain networks that can process transactions at even higher speeds.

BNN's Perspective:

The potential for XRP to disrupt the established financial order is undeniable. However, the path to widespread adoption is fraught with challenges. While the technology shows promise, the cryptocurrency market remains volatile, and the competitive landscape is constantly evolving. Investors should approach XRP with caution, recognizing both its potential and the inherent risks.

Keywords: XRP, cryptocurrency, Ripple, SWIFT, international payments, blockchain, market capitalization, Brad Garlinghouse, transactions per second, digital currency, stablecoin, finance, BBVA, SEC, Bitcoin, Ethereum

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