XRP Price Prediction Soars—$48 Target as Ripple Eyes $20T

Ripple targets SWIFT’s $194T market. With $20T adoption, XRP could hit $48. Learn how price action, utility, and demand shape the next move

XRP Price Prediction Soars—$48 Target as Ripple Eyes $20T

Quick overview

Ripple targets SWIFT’s $194T market. With $20T adoption, XRP could hit $48. Learn how price action, utility, and demand shape the next move for XRP.

Ripple CEO Brad Garlinghouse is making a big claim: Ripple doesn’t want to partner with SWIFT – it wants to replace it. In a recent interview with Fox Business, Garlinghouse outlined Ripple’s vision to be the primary infrastructure for global cross-border payments, challenging the legacy system used by over 11,000 financial institutions.

The SWIFT network currently handles an estimated $194 trillion in annual cross-border volume, which is projected to grow to $320 trillion by 2032. Built in the 1970s, SWIFT’s messaging rails are seen as outdated for a digital, real-time financial world. Ripple, powered by XRP, sees blockchain as faster, cheaper and more transparent.

“The market opportunity here is massive,” Garlinghouse said. “There’s an opportunity to modernize.”

If Ripple gets even a small piece of SWIFT’s volume, the implications for XRP could be huge. Analysts are now weighing what that means for the token’s price.

 

XRP/USD

XRP Technical Outlook: Bulls Defend Key Support

 XRP/USD is currently trading at $2.27, consolidating after rejecting resistance at $2.31 on the 2-hour chart. Price action is coiling just above the pivot zone at $2.25, which also aligns with the 50 EMA—adding technical weight to this support.

  • Immediate Resistance: $2.31

  • Next Targets: $2.36 and $2.40

  • Immediate Support: $2.25

  • Lower Supports: $2.20 and $2.16 (200 EMA base)

MACD momentum has flattened, so buying pressure may be waning. But a strong break above $2.31 with volume could trigger a move to $2.36. If $2.25 fails, expect a pullback to $2.20.

The bigger picture still favors bulls, but confirmation is key. For now, the market is cautious, waiting for Ripple-related news to spark momentum.

XRP Price Chart - Source: Tradingview
XRP Price Chart – Source: Tradingview

Could XRP Hit $48? Analysts Weigh Real-World Scenarios

With 58 billion XRP in circulation, hitting sky-high targets would require real-world adoption. Still, some analysts think XRP has room to grow, especially as Ripple gains traction with banks and payment networks.

  • Grok3: Predicts XRP could hit $48.89 if Ripple gets $20 trillion of SWIFT’s volume

  • DeepSeek: $34 target if institutional adoption without full SWIFT displacement.

  • Current ROI potential: A move to $48 from current levels implies a 15x return.

XRP will never get there? Depends on Ripple’s ability to scale adoption and regulatory momentum. But for now, the thesis is: if Ripple gets market share, XRP’s price will reflect that.

Conclusion

XRP is holding critical support levels, both technically and fundamentally. As Ripple challenges a $194 trillion incumbent, the upside scenario remains compelling—but not without risks. Investors should monitor both chart levels and regulatory developments as catalysts converge.

ABOUT THE AUTHOR See More
Maham Arslan
Crypto News Writer | Blockchain & Web3 Reporter
Maham is a crypto news writer and market analyst specializing in breaking down the latest developments across blockchain, digital assets, and decentralized finance (DeFi). With hands-on experience covering high-impact stories—from regulatory shifts and token launches to macro-driven price movements—she delivers timely, accurate, and SEO-optimized content for fast-growing crypto media platforms.Her expertise lies in producing daily news reports, price predictions, technical summaries, and coverage of market-moving events. Maham tracks real-time updates across global newswires, X (Twitter), and on-chain data to provide actionable insights tailored for retail traders, crypto enthusiasts, and institutional readers.With a strong grasp of crypto fundamentals and Web3 trends, she delivers content that’s informed, accessible, and always on time.

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