The long-standing and controversial question of whether Ripple payments could one day replace the Society for Worldwide Interbank Financial Telecommunication (SWIFT) is gaining renewed attention in the crypto market. A prominent XRP analyst has highlighted a significant shift in the Ripple payment infrastructure that could represent a potential turning point in the crypto company’s bid to challenge SWIFT’s decades-long dominance in global cross-border settlements.  XRP Analyst Unveils Ripple’s Latest Moves In his latest X social media thread, crypto market analyst Pumpius explains how Ripple could eventually supersede SWIFT as a cross-border payment infrastructure and settlement layer for banks. The analyst highlights recent developments that continue to fuel Ripple’s growth and position it as a prime candidate for transforming global financial messaging.  According to Pumpius’s report, Ripple has taken a significant step forward in its bid to transform the global financial system, as recent developments show deepening infrastructure integration. The XRP analyst disclosed that Ripple payments have officially integrated with EUR and GBP International Bank Account Numbers (IBANs), marking a critical evolution in its offering. This suggests that Ripple is no longer just processing payments, but enabling institutional-grade banking functionality within its ecosystem. Through partnerships with OpenPayd, Ripple is granting financial institutions access to programmable dollar liquidity. OpenPayd clients can now mint and burn the Ripple on-chain stablecoin, RLUSD, in real-time. The XRP analyst has called this new development a faster and potentially more efficient programmable USD liquidity on demand. He highlights that this capability also unlocks automated FX, compliance solutions, and seamless cross-border fund movement.  Pumpius describes Ripple’s latest developments as a game-changing moment for blockchain-based finance. Rather than acting as a parallel system, the crypto company is now positioning itself as a new banking layer, built entirely outside the legacy infrastructure, but fully equipped to serve its institutional clientele.   How Ripple Could Replace SWIFT’s Legacy Pumpius’s X report suggests that Ripple’s evolution isn’t limited to just speed or low-cost payments. The core technology behind XRP and Ripple’s APIs aims to replace key functions of the SWIFT network, which currently facilitates interbank financial messaging and settlements globally.  The analyst notes that Ripple’s model delivers what SWIFT does not, including real-time foreign exchange, end-to-end automated banking APIs, instant stablecoin-to-fiat conversion, and settlements via XRP. What makes the potential transition from SWIFT to Ripple even more tangible is the live infrastructure now running behind the crypto payment company’s system.  According to Pumpius, liquidity corridors are no longer theoretical for Ripple, but operational. The company’s stablecoin rails are also highly active, while XRP has evolved from its status as a speculative asset into being used for final settlements in real financial flows. Overall, the integration of IBANs and the launch of RLUSD make Ripple a direct competitor to SWIFT. And as the analyst notes, these developments are more than incremental signs of growth—they mark a potential turning point in Ripple’s goal to replace SWIFT.

XRP remains one of the most actively discussed cryptocurrencies on social media, with expectations that its price has yet to plateau. Things like the Ripple battle with the Securities and Exchange Commission (SEC) coming to an end and Bitcoin expected to resume its uptrend have fueled expectations of the XRP price reaching new all-time highs. However, amid the calls for higher prices, a crypto analyst has warned that a major crash could be on the horizon for the altcoin. Why The XRP Price Will Crash Crypto analyst Xanrox took to the TradingView website to share thoughts on why they believe the XRP price is headed for a massive crash. The analyst explains that after the 600% rally that brought XRP to new 5-year peaks, it has lost steam and could be headed downward. The first thing is the fact that the price has been ranging for years, and even with the price jump back in 2024, Xanrox does not believe that the ranging has ended. This range began in 2017 and even after breaking above $3 briefly, the price remains inside of an ascending triangle, which is bearish at the current level. There is also the fact that the analyst points out that the pump created a large Fair Value Gap (FVG). The thing about FVGs is that they tend to be filled, especially after the price has ranged for as long as XRP has, and unfortunately, the FVG lies towards lower levels. The crypto analyst also calls out the fact that the XRP price is known for making weird moves and taking liquidity from traders while ranging. Historically, XRP has had more down periods than up, suggesting that bears often dominate the cryptocurrency. How Low Can The Price Go? The crypto analyst believes that the XRP price has already topped out, and thus, it’s time for investors to start thinking about exiting their positions. For one, even at $2.1, Xanrox says the price is still extremely high, especially sitting at the top of an ascending triangle. From here, they expect that the price will crash back down toward $0.6, which is where the price started before the 600% increase in 2024, suggesting a 72% decrease in price. For investors who bought into the coin before the rally, the analyst advises that they start thinking about locking in profits at this level. For those who bought after the pump, they speculate that they got in at the top and should be looking to get out at breakeven or even eat a small loss to exit the position. Last but not least, for futures traders, the crypto analyst advises exiting any positions entered before the crash and switching to short positions if they want to make money on XRP.

London is the stage for Ripple’s latest stable-asset advance this morning as the enterprise blockchain firm unveiled a strategic partnership with U.K.-based banking-as-a-service provider OpenPayd. The tie-up folds OpenPayd’s real-time payment rails, multicurrency accounts and virtual IBANs directly into Ripple Payments, extending instant EUR and GBP settlement to the product’s near-global payout network, which already covers more than 90 percent of daily FX flows and has processed over $70 billion in volume. Ripple Goes Full Throttle On Stablecoins At the heart of the deal sits Ripple USD (RLUSD), the company’s enterprise-grade, USD-denominated stablecoin: OpenPayd will offer on-platform minting and burning of RLUSD, letting clients move frictionlessly between fiat balances and tokenized dollars via a single API. OpenPayd chief executive Iana Dimitrova framed the move as a bridging exercise between two once-separate financial stacks. “By combining Ripple Payments with OpenPayd’s rail-agnostic and fully interoperable fiat infrastructure, we are delivering a unified platform that bridges traditional finance and blockchain,” she said, adding that the integration will help enterprises “access stablecoin liquidity at scale, and simplify cross-border payments, treasury flows and dollar-based operations.” For Ripple, the announcement deepens a months-long campaign to embed RLUSD across regulated venues and payment corridors. The stablecoin was first integrated into Ripple Payments on 2 April 2025, when the company said the asset was already approaching a $250 million market capitalization and had cleared $10 billion in cumulative trading volume. At the time, senior vice-president of stablecoins Jack McDonald highlighted early usage by remittance providers BKK Forex and iSend to streamline treasury operations and collateral management. Regulatory momentum has since followed. On 3 June, the Dubai Financial Services Authority recognized RLUSD as an approved crypto token for use inside the Dubai International Financial Centre, noting the coin’s 1:1 cash backing and NYDFS trust-company oversight. The DFSA sign-off positioned RLUSD among a small cohort of stablecoins meeting simultaneous New York and Dubai standards, a feature Ripple says is essential for institutional uptake. Liquidity on the XRP Ledger is also gathering pace. Ripple’s mid-June market-infrastructure brief pegged RLUSD spot turnover on the ledger at $500 million for the second quarter, making it the chain’s single largest fiat-backed stablecoin by volume. The same update pointed to growing multichain issuance—RLUSD is native on both XRPL and Ethereum—as evidence of developers’ appetite for on-chain dollars that can settle across disparate ecosystems without leaving enterprise-grade compliance behind. Against that backdrop, today’s OpenPayd integration gives Ripple an immediate fiat on- and off-ramp inside the European Economic Area and the UK—jurisdictions that, collectively, accounted for almost 40 percent of RLUSD treasury flows in the first half of the year, according to company figures. McDonald called the partnership “a decisive step toward real-world adoption of stablecoins at scale,” arguing that institutional users prize “seamless interoperability between traditional infrastructure and digital assets” above all else. The companies did not disclose commercial terms, but both sides hinted at a rapid rollout. OpenPayd said RLUSD minting, redemption and multicurrency treasury services will be available “through a single, unified API” later this quarter, while Ripple signalled further currency corridors are in the pipeline as client demand expands. At press time, XRP traded at $2.17.

The Ripple Vs. SEC lawsuit is nearing a conclusion following the crypto firm’s decision to drop its cross-appeal. Now, a crypto commentator has drawn the XRP community’s attention to July 3 as an important date to look forward to, as the SEC also moves to drop its appeal.  All Eyes on July 3 as Ripple vs. SEC Lawsuit Concludes In an X post, crypto commentator Captain Redbeard declared that July 3 is the moment of truth, with the SEC set to have a closed-door meeting on that day. He noted that Ripple has dropped its cross-appeal and that the Commission’s next move could end it all. Captain Redbeard added that if the agency follows through in dropping its appeal in the Ripple vs. SEC lawsuit, XRP is about to rip. He then remarked that game-changing clarity is within reach.  Bitcoinist reported that Ripple CEO Brad Garlinghouse had announced that his firm was dropping its cross-appeal. He also mentioned that the SEC is expected to do the same, as they promised initially. However, the agency is expected to have a Commissioner’s vote before it drops the appeal in the Ripple vs. SEC lawsuit.  However, contrary to Captain Redbeard’s opinion, ex-SEC lawyer Marc Fagel has clarified that July 3 isn’t necessarily concerning the vote on whether to drop the appeal. In an X post, Fagel noted that the proposed closed-door meeting happens every week and that the agenda is confidential. As such, it is impossible to know whether they will vote to drop the appeal in the Ripple vs. SEC lawsuit at that meeting.  The legal expert further remarked that the vote to dismiss the appeal could happen any Thursday in the future. He added that they could also approve the dismissal through a completely different mechanism.  What Needs To Be Done Before The Lawsuit Can End In another X post, Marc Fagel gave a breakdown of what needs to happen before the Ripple vs. SEC lawsuit can finally end. He stated that the Commission likely still needs to vote to dismiss the appeal. Once that is done, then both parties will need to submit papers dismissing their respective appeals, after which the district court’s order goes into effect.  Fagel explained that these procedures could take several weeks or more. However, it could be expedited, and so, there is no set timeframe. Meanwhile, he suggested that the XRP community shouldn’t get their hopes up about a vote to drop the appeal in the Ripple vs. SEC lawsuit happening on July 3.  The lawyer stated that it is almost certain that they won’t vote on this on Thursday. He admitted that he isn’t privy to the confidential agenda but that voting on the appeal would be highly unusual.  At the time of writing, the XRP price is trading at around $2.22, up in the last 24 hours, according to data from CoinMarketCap.

The XRP community has been making calls for a 1,000% surge in the XRP price. This comes following Ripple CEO Brad Garlinghouse’s symbolic reiteration of his support for XRP, which provides a bullish outlook for the altcoin.  XRP Price Gets Boost As Ripple CEO Declares 1,000% Support In an X post, Brad Garlinghouse put out the caption ‘1,000%,’ in which he was alluding to his support for XRP and the community as a whole. The community has described this post as being bullish for the XRP price and even called for a surge of 1,000%. Garlinghouse’s post came in response to a post by Digital Asset Investor, a prominent XRP community member.  Digital Asset Investor drew attention to the tattoo that the Ripple CEO had gotten following his firm’s victory against the SEC, when Judge Torres declared that XRP was not a security. Garlinghouse’s tattoo featured the XRP logo, which included the date ‘07-13-2023’, representing the day Judge Torres issued this ruling. Back then, the XRP price surged as much as 25% following Judge Torres’ ruling.  Digital Asset Investor’s caption highlighted the significance of Garlinghouse’s tattoo and how it indeed showed the Ripple CEO’s support for XRP. He claimed that for someone like Garlinghouse, who boasts a Harvard MBA, to have gotten a tattoo, it means that he has “thought it through and knows it is only going to change in a good way.” He then urged the community to lock in, just like Garlinghouse, who has zero doubts about XRP’s trajectory.  Garlighouse had earlier urged the community to “lock in” following his announcement of Ripple’s decision to drop the cross-appeal against the SEC. He also stated back then that his firm is focused on building the ‘Internet of Value.’ This is a significant boost for the XRP price, given its role in Ripple’s payment services.  XRP Can Indeed Rally 1,000% Crypto analyst Egrag Crypto has indicated that the XRP price can indeed record a 1,000% rally. In an X post, he revealed that the altcoin was forming a classic ‘W’ pattern. He then revealed that $15, $22, and $40 are the conservative, average, and optimistic targets, respectively, to watch. A rally to $22 will represent a surge of around 1,000% from the current XRP level.  Egrag Crypto had also earlier alluded to historical cycles as the rationale behind why the XRP price can reach between $9.5 and $37.5 in this market cycle. He claimed that a repeat of Cycle 1 could lead to an XRP rally of 2,000% to $37.5. On the other hand, if the altcoin mirrors Cycle 2’s performance, then it could record a gain of 455% and reach $9.5. At the time of writing, the XRP price is trading at around $2.22, up in the last 24 hours, according to data from CoinMarketCap.

A fresh burst of verbal shrapnel from on-chain investigator ZachXBT has reignited the long-running feud between the sleuth and the XRP community, with Ripple again cast as the outlier among major stable-asset ecosystems. The exchange began after WatcherGuru reported on X + that Circle, the issuer of USD Coin (USDC), has applied to become a federally regulated national trust bank in the United States. Within minutes, ZachXBT—whose meticulous wallet-tracking has underpinned investigations into more than $100 million in blockchain thefts—accused Circle of turning a blind eye to sanctioned North Korean activity. “Circle / USDC is the primary infra used by DPRK IT workers to facilitate payments. They currently do NOTHING to detect / freeze the activity while boasting about compliance… I can point out high 8 figs in recent volume,” he wrote, adding that the indifference is symptomatic of “the crime super cycle.” Tether, Circle, Paxos All More Trustworthy Than Ripple? An XRP supporter swiftly attempted to redirect the criticism: “So you’re saying we should be using RLUSD instead, eh?”—a reference to Ripple’s yet-to-launch, asset-backed stablecoin. ZachXBT’s reply was unambiguous: “I trust Circle, Paxos, or Tether infinitely more than Ripple.” Pressed to justify preferring Tether—whose opaque reserves have drawn scrutiny from US and EU regulators—over Ripple, he gave a terse rationale: “They all at least have organic users whereas Ripple does not and theirs comes from misrepresenting paid partnerships to make it appear like adoption.” The XRP advocate denounced that assessment as “lazy,” citing integrations with AeonPay, Alchemy Pay and “millions of merchants,” and argued that paying for partnerships is an industry-wide growth tactic. ZachXBT did not further elaborate, but the latest salvo is consistent with a trail of earlier broadsides. In March 2025 he asserted that a legitimate layer-1 chain can be gauged by the presence of native stablecoins from the “big three” issuers—Circle, Tether and Paxos. “Both ADA and XRP have zero from major stablecoin issuers…” he wrote at the time. In January 2025 he highlighted what he characterized as opaque treasury flows, noting that more than $109 million in XRP had moved from wallet rhREXVHV938ToGkdJQ9NCYEY4x8kSEtjna, activated by Ripple co-founder Chris Larsen, to exchanges including Coinbase, Bitstamp and Bybit in a single month. “Well I guess it’s a good thing no one stalks XRP transfers from wallets tied to the founders/foundation,” he remarked sarcastically. Responding to a February 2024 plea to investigate an alleged XRP scam address, he quipped that the wallet in question could not have “scammed more than the XRP founders constantly dumping 9 figs on bag-holders.” Taken together, the remarks sketch a researcher who, while frequently critical of compliance practices at the stablecoin heavyweights, nevertheless views Ripple as uniquely untrustworthy—chiefly for what he deems manufactured network adoption and persistent insider selling. At press time Ripple Labs, Circle, Paxos and Tether had not publicly responded to the latest remarks. XRP traded at $2.1978.