Will XRP Price Jump to $48 If This Happens?

Ripple’s new approach to disrupt the old financial systems has stirred up debate about XRP price possible direction. Given the fact that cross-border payment is a $194 trillion market globally, investors and analysts are keenly observing Ripple’s strategies.

Ripple Aims to Replace SWIFT’s 50-Year-Old System

Brad Garlinghouse, the CEO of Ripple, in a recent interview with FOX Business, stressed that the platform’s main goal is not to work with SWIFT but to replace it. SWIFT, which was established in the early 1970s, currently controls a vast portion of global cross-border transactions.

Ripple aims to present its payment protocol based on the use of the blockchain system to process payments faster and efficiently.

In the interview, Garlinghouse emphasized that the current architecture of transactions used by SWIFT is outdated, even if it is widely used worldwide. Thus, there is a good opportunity to implement new technologies, such as Ripple.

According to Ripple, the cross-border payments market is worth roughly $194 trillion, and it needs to be updated with new technologies.

In essence, Ripple’s plan focuses on presenting a product that not only enhances the speed of transactions but also decreases costs. Such a change in the strategy of differentiating payment processing methods could open the doors for XRP, Ripple’s native digital asset.

XRP Price Rally to $48.89 If Ripple Processes $20 Trillion Annually

Liquidity projections and market estimates have been used to assess XRP price potential if Ripple captures a fraction of the cross-border payments sector. According to Grok3 calculations, if Ripple can process $20 trillion per annum, the price of XRP might rise to $48.89.

In addition, this estimation took into account the circulating supply of about 58 billion tokens. It also considered the demand generated through the usage of its utility functions. With more volumes passing through Ripple’s ledger, higher liquidity demand would drive XRP price up.

Moreover, Brad Garlinghouse noted that blockchain’s inherent efficiencies, such as faster settlement times, offer a strong advantage. He added that reduced operational costs could make Ripple’s proposition attractive to banks and financial institutions seeking modern alternatives to SWIFT.

DeepSeek projections, supported by liquidity and market cap calculations, place XRP price prediction valuation between $34 and $48. It depends on the extent of adoption.

The cross-border payment industry is expected to rise from $194 trillion to $320 trillion in the next decade. Ripple with fast payment settlements, has the potential to make XRP one of the most usable digital assets in the future.

XRP Price Predictions: Could it Surge Nearly 15x?

Meanwhile, XRP price was trading at $2.28 at press time. It had a high of $2.35 and a low of $2.25. The price action depicted that XRP has formed a higher high pattern, which is an early sign of an upward movement.

However, trading volume has slightly declined in the recent past. This implies that buying pressure may subside for a while.

However, the increased expectation of Ripple’s further growth as a dominating player in the payments industry sparked an optimistic outlook among traders. Should Ripple successfully acquire even a fraction of the cross-border payment flow, XRP price might increase by 15x its current price.

Further supporting a bullish outlook, on-chain data showed a sharp decrease in centralized exchange balances. A large number of XRP coins moved to cold storage.

Long-term holder activity has also been on the rise throughout this period. Over 60% of the total XRP supply has been inactive for more than 90 days. Such circumstances and increased demands generally lead to heightened fluctuations and more robust price increases during bullish trends.

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