XRP challenges SWIFT with nearly instant settlement and low fees. SWIFT is currently testing its integration based on the ISO 20022 standard. Whales have accumulated 340 million XRP (worth 1 billion dollars), and actions from institutions like Gumi and BBVA have also boosted market confidence. The trading price of XRP is close to 3.02 dollars, and if SWIFT confirms testing before 2025, it is expected to break through the 3.40-5 dollar mark, but risks such as the support level of 2.50 dollars still exist.