For decades, SWIFT has served as the backbone of global payments, allowing banks to send messages across borders but not pay the price in real time. As global commerce becomes faster, more digital, and more interconnected, the limitations of legacy message-based systems are becoming increasingly apparent. This has brought renewed attention to XRP and Ripple’s payment infrastructure that aims to enable near-term, cost-effective payments.
From Bank Transfers to Real-Time Payment Rail
A 1.5 quadrillion financial revolution is taking place quietly, and it is shaking the foundations of the world’s banks. Crypto analyst Archie has mentioned on X that SWIFT, the decades-old backbone of cross-border payments, is copying Ripple’s playbook for a real-time transfer system and is testing an XRP Ledger integration that could scan text on a slow, outdated border. payments.
Currently, analysts they suggest that if XRP captures even a fraction of SWIFT’s estimated annual flow of $150 trillion a year by 2030, the upside could be huge, while some say the altcoin could soar to $3,000+. With Ripple’s RLUSD stablecoin connecting directly to major banks and financial platforms, it’s a middle bridge crypto rails and fiat liquidity is increasing rapidly.
Currently, there is speculation that XRP is being updated as a full replacement for SWIFT in the US document, and billions are flowing into the XRP Ledger. Meanwhile, banks like Citi are introducing tokens, and Ripple’s technology is leading the way. Archie believes that Citi already exists elsewhere using Ripple’s technology.
How XRP’s Last Big Split Began
A side-by-side comparison chart of XRP’s market cycle with the current one suggests that history may have a rhythm again. Commentator Archie did too he revealed that in the 2016 to 2018 cycle, the price started trading at a low level around $0.003, gradually built up near the rising trendline, then entered the orange box, before the price exploded to a high near $3.50.
Meanwhile, the Relative Strength Index (RSI) made a clear decline between 50 levelindicating a momentum reset rather than a disruption. Currently 2025 to 2027 cycle shows a pattern like structure. XRP joins the dollar sign, following the same trend line, with the dip marked in the orange box to $0.70, and the low made near the 40 mark.
Archie noted that patterns in price action, dips, and indicators symptoms in all cycles they repeat almost identically. Although history never repeats itself well, these repeating fractal patterns suggest that XRP may be the beginning of a spectacular bull run phase, from fractions to dollars, now possibly from dollars to triple digits, such as the projected range of $117. Archie is here bullish because the naysayers were always right, and you believe the Phoenix will rise.
Featured image from Getty Images, chart from Tradingview.com
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