Years of bank neglect and huge payment flows stand between XRP and $3,700, but analysts predict relief rally

An analysis by NewsBTC outlines how very large-scale flows would be required for XRP to reach multi-thousand dollar valuations, noting the global financial system processes quadrillions annually and that much of that flow moves through legacy settlement rails such as the DTCC — points the piece uses to argue Ripple’s payments infrastructure is relevant to long-term valuations ^[1].

Historical coverage compiled by CaptainAltcoin documents a roughly 12-year history in which banks largely did not adopt XRP as originally expected, a record the outlet says has undercut earlier narratives that banks would quickly use XRP for international transactions ^[2].

Market commentary remains active: Coinpedia reports analysts laying out near-term scenarios for Bitcoin, Ethereum and XRP, while technical analyst ChartNerd argues a relief rally for XRP may be overdue, citing oversold conditions and a liquidity cluster near $1.80 ^{[3] [4]}.

Separately, 36Crypto reports that SWIFT’s confirmed collaboration with DBS on a blockchain ledger — together with DBS’s continued use of the XRP Ledger and the RLUSD stablecoin — has prompted commentators to say the overlap could place Ripple closer to the global banking infrastructure layer amid broader payments-rail modernisation ^[5].

The assembled reporting highlights three concurrent threads shaping XRP’s outlook in the near to medium term: scale and settlement-rail dynamics, a documented history of limited bank uptake, and current analyst technicals plus infrastructure partnerships — each reported in the sources above ^{[1] [2] [3] [4] [5]}.