According to Crypto Crew University, XRP's monthly RSI has hit its highest level since 2017 in 2025, preceding the token's run to a $3.66 peak in July. The analyst notes that XRP's RSI later slipped beneath its moving average, forming the same "pocket" pattern they are now monitoring. At press time, XRP trades at $1.57, up 5.1% in 24 hours and 12.4% this week, having climbed from $1.24 earlier this week to $1.62 before giving back some gains. The token displayed similar bursts of momentum in August, rallying from $0.98 to $1.70 before retreating, with these sharp rallies followed by swift pullbacks keeping bulls increasingly focused on potential upside.
According to reports from CNBC News, Dan Morehead, founder and CEO of Pantera Capital, revealed that Ripple is targeting the cross-border payments market currently dominated by SWIFT. Morehead described this as one of several major blockchain use cases shaping the industry, emphasizing that it represents a competitive positioning rather than an imminent takeover of the network banks rely on for cross-border messaging. SWIFT, the Society for Worldwide Interbank Financial Telecommunication, functions as the dominant messaging system connecting financial institutions across borders, coordinating payment instructions between banks.
As reported by CNBC News, Ripple's payment infrastructure supports multiple assets including RLUSD, USDC, USDT, or fiat, whichever asset businesses require. The company states its settlement layer is decoupled from any single issuer's token, representing a direct architectural admission that XRP is one option among several in the payment flow. According to Ripple's own cross-border payments page, the platform reports payout access across more than 60 markets and cumulative processed volume above $100 billion, though these figures do not disclose the share of volume that actually settles in XRP versus stablecoins or fiat rails.
Crypto analysts point to XRP's past performance as potential indicators for future movement. The analyst highlights historical setups including XRP's climb from $0.18 to nearly $2 in June 2020 when its RSI moved back above the moving average, and another setup where XRP traded around $0.37 before eventually surging to approximately $3.30. However, historical RSI patterns do not guarantee future performance, as market conditions can vary significantly from one cycle to another. The analyst emphasizes waiting for XRP's RSI to reclaim its moving average as the potential trigger for another explosive price move, noting that confirmation is needed before entering the market.
According to reports from CNBC News, the gap between enterprise-scale numbers and token-specific usage has shadowed Ripple since the SEC filed its lawsuit against the company in December 2020, alleging XRP constituted an unregistered security. Ripple secured a partial win in 2023 when a federal judge ruled that XRP was not a security when sold to retail investors on public exchanges, though the broader regulatory picture around institutional sales remained unresolved. Throughout this regulatory fight, Ripple kept expanding its payments network and partner list, with investors repeatedly treating corporate wins as token catalysts even when the two move independently.
