XRP Set to Capture $21 Trillion from SWIFT? Ripple’s Bold Prediction

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The global payment is no longer dependent on old-school methods; the financial institutions are increasingly in favor of faster, more cost-efficient alternatives like the XRP Ledger (XRPL). SWIFT, once the backbone of international banking with over $150 trillion in annual volume, has seen a 15% decline. Ripple’s CEO Brad Garlinghouse predicts XRPL could capture up to 14% of that, equivalent to over $21 trillion, within five years.

XRPL Activity Hits Record Highs

On-chain data supports this growing interest. Daily XRPL transactions now exceed 830,000, with over 29,000 active addresses and more than 10,000 unique traders. The decentralized exchange (DEX) volume on XRPL recently surpassed $12 million, while meme coin trading brought in $6.25 million. Stablecoin transfers remain steady at around $5.6 million. These numbers underscore a surge in liquidity and engagement across the ecosystem.

What’s Brewing Inside?

The June 30 launch of an EVM-compatible XRPL sidechain added fresh momentum. Within just one week, over 1,400 smart contracts went live, and over 1,300 remain active today. This expansion into DeFi and broader smart contract functionality is strengthening XRPL’s role beyond simple cross-border payments, attracting developers and new institutional use cases.

Moreover, Ripple’s RLUSD stablecoin aims to enter and dominate the massive global remittance sector. As RLUSD becomes more widely used in payments and decentralized finance, it adds consistent volume to the XRPL, driving further demand for XRP and increasing on-chain liquidity.

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Analyst Paul Barron called Ripple’s RLUSD stablecoin a game changer, highlighting that it already meets the GENIUS Act’s strict requirements, like 1:1 reserves and monthly audits. He noted that every RLUSD transaction on the XRP Ledger burns XRP, reducing its supply and adding deflationary pressure. With institutional interest growing fast, Barron said XRP is positioning itself as the backbone of a regulated digital payment system.

Technically, Prices to Explode?

Crypto expert The Great Mattsby highlights a bullish technical setup for XRP. The monthly Bollinger Bands are expanding, a signal last seen before XRP’s historic 1,300% rally in 2017. His Gann-based analysis now aligns XRP’s price target around $45, marking a similar potential breakout.

With institutional rotation toward XRPL, rising real-world adoption, expanding DeFi activity, and strong technical signals, experts believe XRP is positioned for a significant bull run. If projections hold, XRP could be entering a new phase of growth that mirrors or even exceeds the 2017 cycle.