XRP Price Eyes Rally To $45 Amid Rising XRP Ledger Activity and Declining SWIFT Volume

A crypto expert has predicted a 1,300% surge in the XRP price amid a growing rise in activity on the XRPL (XRP Ledger). The expert sees parallels with the explosive run of 2017, while on-chain data and real-world use cases suggest this cycle could be even bigger. 

XRP Ledger Gains Momentum as SWIFT Volumes Drop Globally

Reports suggest a growing shift from SWIFT to the XRPL. SWIFT, the decades-old backbone of international banking, saw a 15% drop in transaction volume. In contrast, XRPL activity is climbing, thanks to its speed, cost efficiency, and the elimination of correspondent banking chains.

Ripple CEO Brad Garlinghouse forecasted at the Apex XRPL Summit that the ledger could capture up to 14% of SWIFT’s global volume within five years. Given that SWIFT handles over $150 trillion annually, this projection suggests that more than $21 trillion could move over XRPL.

Notably, more financial institutions are using the XRPL because it offers quick settlements in three to five seconds, a clear structure, and less need for pre-funded accounts. RippleNet, which operates on the XRPL, now handles billions of dollars in international transactions. This enables banks and fintech companies to enhance their cash flow and lower costs.

Adding to the bullish backdrop, the XRP Ledger’s new EVM-compatible sidechain officially launched on June 30. As CoinGape reported, within its first week, over 1,400 smart contracts went live. Since its launch, over 1,300 contracts are still active.

Meanwhile, Ripple’s RLUSD stablecoin aims to enter the $685 billion remittance market. As more people use RLUSD for payments, DeFi, and remittances, the transaction volume on XRPL is expected to increase. This rise in activity will boost demand for XRP, driving its price up because of greater on-chain liquidity.

Expert Says XRP Price May Jump 1,300%

Well-known expert The Great Mattsby recently highlighted that the XRP price is showing a re-expansion of monthly Bollinger Bands, a pattern last seen before its historic rally in 2017. Back then, XRP soared an additional 1,300% during the breakout. Mattsby’s Gann-based chart analysis aligns this potential move to roughly $45 per XRP.

Despite its past challenges, XRP price momentum has been undeniable. At press time, XRP price trades at $3.2 with a market cap of around $195 billion, up over 62% in the past month. This also aligns with the growing activity on the XRP Ledger. 

Activity on the XRPL is growing rapidly. Daily active addresses have increased 7x, and transaction volumes have reached record levels. The XRPL now has more than 29,000 active addresses and over 10,000 unique traders.

Further data shows that daily transactions exceeded 830,000. Trading in meme coins also brought in $6.25 million in volume. Stablecoin activity remains steady at around $5.6 million, while the total volume on decentralized exchanges (DEX) on XRPL reached over $12 million, showing good liquidity.

In the short term, the XRP price could rally to $15 based on Ali Martinez’s prediction. The analyst suggested that this rally could happen between August and September after the altcoin broke out of a bull flag.

Besides the rising XRP Ledger activity, fundamentals like significant institutional interest could spark this price rally. Teucrium’s XXRP ETF just surpassed $500 million in net assets, underscoring the massive interest in XRP. Other whales are also actively accumulating. Martinez revealed that these investors have bought over 280 million coins in the past 10 days.

Whales have bought over 280 million $XRP in just the past 10 days! pic.twitter.com/JDTwaEYHMe

— Ali (@ali_charts) July 23, 2025