Ripple’s efforts to integrate with global banking infrastructure took center stage in 2025, accompanied by renewed price speculation, progress on institutional adoption, and persistent questions about whether XRP can ever reach $20. In recent weeks, Ripple announced a strategic tie-in with SWIFT via third-party channels, while analysts and traders weigh evolving regulatory and market signals.
Strategic Moves: Ripple, SWIFT Integration and Institutional Signals
Ripple’s push into SWIFT-linked banking networks gained renewed momentum when Thunes, a payments infrastructure firm, integrated its “Pay-to-Banks” service with SWIFT, effectively routing XRP liquidity to about 11,000 banks globallyl This move enables XRP transactions to interoperate with traditional bank rails via SWIFT nodes.
Meanwhile, SWIFT has itself announced blockchain trials. Over 30 banks, including major U.S. institutions, are exploring DLT (distributed ledger technology) ledger prototypes, with Ripple’s XRP Ledger flagged as a potential contender. However, SWIFT maintains a neutral stance, testing multiple blockchain options (including Ethereum) rather than committing to XRP exclusively.
On the institutional front, Ripple recently teamed up with DBS (Singapore’s largest bank) and Franklin Templeton to facilitate tokenised money market fund trading on the XRP Ledger. The partnership anticipates listing a tokenised US dollar money market fund (sgBENJI) alongside Ripple’s RLUSD stablecoin, enabling yield-bearing swaps and collateral usage. This deal underscores Ripple’s effort to embed XRP and related token infrastructure into regulated finance pipelines.
These developments come after the SEC formally withdrew its appeal in the long-running case against Ripple, a milestone hailed by executives as the end of regulatory overhang.
XRP Price Prediction & $20 Feasibility
With these structural initiatives underway, attention has turned to Ripple XRP SWIFT News as a catalyst for price action.
Analysts remain divided, though several offer mid- to long-term scenarios:
- Realistic 2025 target: Some analysts place XRP’s 2025 range between $2.05 and $5.81, contingent on strong institutional inflows and adoption.
- Longer-term upside: A panel published via Forbes suggests that XRP could rise to $5.25 by 2030, with many forecasts remaining within single-digit ranges unless breakthrough adoption occurs.
- Bull case for $20+: Ultra-bullish modeling asserts that if XRP handled even 1% of SWIFT’s volume, it could theoretically reach $80–$120 in five years; more modest but ambitious projections include a possible $20 milestone under hypergrowth scenarios.
- Caution from extremes: Contrarian voices, notably a prominent trader on social media, argue XRP may now represent one of the most “fundamental short” opportunities in crypto, citing SWIFT’s own blockchain ambitions and shifting payments dynamics.
Technical momentum is also under scrutiny. XRP recently bounced above key support near $2.70, with resistance zones in the $3.30–$3.80 area. Some analysts view a sustained breakout beyond those levels as a precursor to reaching $5, but a direct leap to $20 would demand substantial capital flows, adoption, and regulatory tailwinds.
What Ripple XRP SWIFT News Means for Stakeholders
For investors and holders, the current phase centers on structural credibility rather than immediate price explosions. The integration with SWIFT via Thunes expands on-ramps for banks and offers stronger liquidity pathways for XRP. If adoption within the banking ecosystem increases, demand for XRP as a bridge currency or liquidity conduit could rise.
However, SWIFT’s own blockchain experiments introduce a competitive dynamic. Should SWIFT’s trials favor Ethereum-based or proprietary DLT solutions, XRP’s role may be tempered. Ripple’s CEO Brad Garlinghouse has responded by emphasizing the network effect, pointing out that copying XRPL’s code doesn’t replicate Ripple’s institutional relationships and product ecosystem.
From a regulatory and institutional adoption perspective, the collapsed legal case with the SEC removes a major barrier. Combined with tokenisation use cases (e.g. the DBS/Franklin partnership), XRP is increasingly positioned for financial infrastructure relevance beyond speculative trading.
That said, the pathway to $20 remains speculative. To reach such levels, XRP would need mass adoption within global payment rails, sustained inflows from institutions, and an addressable use case far beyond niche settlement corridors. Most realistic forecasts in 2025–2026 stay well below that threshold, reserving $20+ as an aspirational, long-term target.
FAQs
A: Ripple’s partner Thunes has integrated with SWIFT via its “Pay-to-Banks” service, allowing XRP liquidity to reach roughly 11,000 banks globally, though SWIFT also conducts separate blockchain trials without committing solely to XRP.
A: Unlikely in 2025. Most credible forecasts range from $2 to $5.81 depending on adoption, institutional flows, and regulatory clarity. A move to $20 would require exceptional growth and adoption across global payments networks.
A: Partnerships like the DBS / Franklin Templeton tokenised fund initiative and SWIFT-linked access via Thunes boost XRP’s utility in regulated finance, opening paths for yield, collateralization, and bank participation in the XRP ecosystem.
