XRP 100 dollar dream come true? Analyst: Large-scale adoption by banks + ETF approval may replace SWIFT

Ripple (XRP) has recently been trading sideways around the $3 mark. Although short-term breakthroughs are hindered, several well-known analysts and market observers remain confident in its long-term potential. From technical patterns to global bank adoption, ETF approvals, and the possibility of replacing SWIFT, XRP's "hundred-dollar dream" is being reignited.

Current Price: Underlying Tides in Sideways

Since last week, the price of XRP has been basically flat, and it has attempted to break through the $3 mark multiple times in the past eight days but has failed. Nevertheless, market sentiment has not significantly turned bearish; instead, it has gradually warmed up due to the accumulation of technical patterns and fundamental catalysts.

Technical Perspective: The Path from 13 Dollars to 110 Dollars

Egrag Crypto：

Short-term goal: 13 USD

Mid-term range: $32–$48

Long-term potential: 60–110 USD

Reason: XRP is forming a "cup shape" within the arc, indicating a potential breakout.

Ali Martinez：

Technical Pattern: Symmetrical Triangle Breakout

Short-term target: 15 dollars

These technical analysts unanimously believe that the current Sideways movement is more like a buildup rather than a peak and retreat.

Fundamental Catalysts: Bank Adoption + ETF + SWIFT Alternative

YouTuber and crypto analyst Andrei Jikh, in his latest video, presented three key drivers for the possibility of XRP reaching 100 dollars:

Large-scale adoption by banks

Reports suggest that by 2025, 80% of Japanese banks may integrate XRP into the global payment system.

XRP complies with the ISO 20022 global financial messaging standards, providing regulatory compliance advantages for cross-border transactions.

ETF Approval Potential

Referring to the price surge after the approval of the Bitcoin spot ETF, if the XRP ETF is approved, the influx of institutional funds may trigger a new bull market.

The Possibility of Replacing SWIFT

Ripple's collaboration with multiple financial institutions positions XRP to become a core digital asset for cross-border settlement, challenging SWIFT's dominance in the international payments sector.

Market Cap Calculation and Feasibility of 100 USD

Jikh pointed out that if XRP reaches 100 dollars, its market value will be about 5.7 trillion dollars, which is three times the current market value of Bitcoin.

Key premise:

Global financial institutions and national-level adoption

ETF approval attracts a large amount of institutional funds.

Ripple technology is widely implemented in cross-border payments.

He emphasized that although it requires multiple conditions to be met simultaneously, it is not a pipe dream.

Conclusion

For XRP to reach 100 dollars, it must rely on a combination of technological breakthroughs, global bank adoption, ETF approval, and the network effect of payment alternatives. Although it still needs to break through key resistances such as 3 dollars and 13 dollars in the short term, with the continued attention and practical application from financial institutions, XRP's dream of reaching a hundred dollars is gradually shifting from "fantasy" to "possibility."