As reported by CoinGape, XRP could be on the verge of its biggest rally in years, with analysts predicting a price surge to as high as $45 per token — a 1,300% increase from current levels. The bold forecast comes as activity on the XRP Ledger (XRPL) hits record highs and global reliance on traditional payment rails like SWIFT continues to fade.
The Great Mattsby Predicts XRP’s Next Big Leap
Crypto analyst The Great Mattsby has drawn parallels between XRP’s current chart structure and the setup before its historic rally in 2017. Using Bollinger Bands and Gann-based analysis, he suggests the same conditions are now reappearing — a sign that XRP might be gearing up for another explosive move.
Back in 2017, XRP shot up 1,300% during a similar technical breakout. Mattsby’s forecast puts the next potential top near $45, far above its current trading price of around $3.50. The surge would push XRP’s market cap well into the trillions — a milestone that once seemed unlikely, but is becoming more plausible as XRPL use cases multiply.
XRPL Activity Surges as Institutions Ditch SWIFT
According to recent reports, XRPL is rapidly gaining traction as a faster, cheaper alternative to SWIFT — the legacy system used for international payments. SWIFT transaction volumes have dropped 15%, while XRPL activity is climbing steadily.
Speaking at the Apex XRPL Summit, Ripple CEO Brad Garlinghouse projected that XRPL could capture up to 14% of SWIFT’s global volume within five years. With SWIFT processing over $150 trillion annually, this could mean more than $21 trillion flowing through XRPL in the future.
Financial institutions are increasingly turning to XRPL for its fast settlement times — typically under five seconds — and its ability to eliminate the need for pre-funded accounts. RippleNet, built on XRPL, now moves billions in cross-border value and helps banks reduce liquidity costs while improving cash flow.
Smart Contracts, DeFi, and RLUSD Add Fuel
Another factor driving optimism is XRPL’s expanding utility. On June 30, the ledger launched its EVM-compatible sidechain, opening the door to Ethereum-style smart contracts. According to CoinGape, over 1,400 smart contracts were deployed in the first week, with more than 1,300 still active.
Additionally, Ripple’s new RLUSD stablecoin is targeting the $685 billion global remittance market. As RLUSD adoption grows, especially for DeFi and payment use cases, transaction volumes on XRPL are expected to spike — increasing demand for XRP and adding to its liquidity strength.
On-Chain Data Backs the Bullish Case
XRPL’s growth isn’t just theory — it’s backed by numbers. Daily active addresses have jumped 7x, and daily transactions have surpassed 830,000. The ledger now supports over 29,000 active wallets and 10,000 unique traders.
Meme coin activity alone added $6.25 million in volume, while decentralized exchange (DEX) trades on XRPL hit $12 million. Stablecoin transaction volume held steady at $5.6 million, showing consistent user engagement.
Final Thoughts
XRP’s price momentum is building across the board — from technical patterns to global adoption and developer activity. With XRPL maturing into a hub for payments, smart contracts, and stablecoin innovation, many experts believe XRP’s next breakout is not a question of “if” but “when.”
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