XRP Bull Flag Points to $3.20 as Basel Scholar Says Ripple Could Rewire Finance

XRP Eyes $3.20 Breakout as Bullish Flag Pattern Gains Momentum

XRP is showing signs of renewed strength, according to market analyst Cryptodonia. The digital asset has formed a classic bullish flag pattern, with a rock-solid support level at $2.89. Traders and investors are closely watching this setup, as it hints at the potential for a significant upward move.

A bullish flag is a technical pattern that typically signals a continuation of an existing uptrend after a brief consolidation period. 

In XRP’s case, the flag suggests that the cryptocurrency could resume its rally once it breaks out of the current consolidation range. Cryptodonia highlights that a sustained push above the $3.08 level would likely trigger further upside, with $3.20 being the immediate target for buyers.

Rising trading volumes and surging XRP futures signal mounting momentum. CME XRP futures open interest recently hit $1B, highlighting strong institutional activity. These market and on-chain trends often precede significant price moves in crypto.

With XRP holding the key $3 level, market watchers await whether it can gather enough momentum to break through $3.20.

Ripple’s Potential to Transform Financial Infrastructure, Says Prof. Fabian Schär

Ripple, the blockchain-based payment protocol, has increasingly captured the attention of financial experts and crypto enthusiasts for its potential to reshape the global financial system. 

According to Prof. Dr. Fabian Schär, a leading researcher in Distributed Ledger Technologies and Fintech at the University of Basel, Ripple stands a strong chance of replacing parts of the existing financial infrastructure.

Prof. Schär highlights that Ripple’s network, which leverages the XRP Ledger, is designed for high-speed, low-cost cross-border payments, a major improvement over traditional banking systems. 

Unlike conventional interbank settlement networks, which can take days and involve multiple intermediaries, Ripple facilitates near-instant transfers while maintaining transparency and security through its decentralized ledger. 

This positions XRP and RippleNet as attractive alternatives for banks, remittance companies, and financial institutions seeking efficiency and reliability.

The scholar also points out Ripple’s strength in bridging traditional finance and blockchain. By integrating XRP into mainstream systems, Ripple enables faster liquidity and cross-border settlements without overhauling existing infrastructure, allowing banks to adopt blockchain solutions while minimizing the risks of fully decentralized networks.

Meanwhile, Ripple is accelerating the development of a robust oracle, enabling banks to access ledger data faster and more securely while maintaining full compliance.

Conclusion

According to Prof. Fabian Schär, Ripple’s rising adoption by banks signals a shift toward digital-ledger solutions, positioning it as a transformative force in modern finance.

On the other hand, XRP is sitting at a pivotal point. A bullish flag with solid $2.89 support, rising volumes, and active futures signal growing momentum. 

Therefore, a break above $3.08 could trigger a surge toward $3.20, as traders watch closely for a potential breakout.