XRP, Hedera, and Stellar Poised for Boom as Fedwire and SWIFT Modernize Global Payments

• XRP price nears a key breakout zone as it trades just under $3 with traders watching for a move above $3.15 that could trigger new gains.
• ISO 20022 upgrade gives XRP, Hedera, and Stellar an advantage as FedWire and SWIFT prepare for 2025 payment system changes.

XRP, Hedera, and Stellar are drawing attention again as major financial networks move closer to big system changes. With FedWire and SWIFT planning to upgrade to the ISO 20022 payment standard in 2025, these three digital assets are expected to play a strong role in the next phase of global payments.

XRP Builds Strength Ahead of a Possible Breakout

XRP price was trading around $2.96 as of writing, up 2.1% in 24 hours, and has been holding steady below the $3 mark for several weeks.

As we discussed earlier, market watchers believe this tight range could lead to a strong breakout if the price moves past $3.15. Analyst CryptoCeek said XRP is in a “spring-loaded” position, meaning it could rise sharply once it clears that resistance level.

The coin’s momentum is improving. The Relative Strength Index shows that buying strength is increasing without signs of being overbought. Traders see this as a healthy signal that XRP still has room to grow. Many are also pointing to renewed interest from institutions that are starting to look again at blockchain-based payment systems.

XRP’s role goes beyond trading charts. It is becoming more useful in fast, low-cost cross-border payments, especially after Ripple’s legal win in the United States, which removed a major uncertainty. As global systems prepare for the ISO 20022 standard, XRP’s ability to move money quickly between currencies is gaining importance.

In another major update for XRP, as noted in our earlier post, the United States Office of the Comptroller of the Currency (OCC) is reviewing Ripple’s application for a national bank charter. If approved, this could usher in a new level of growth for the coin.

ISO 20022 Pushes Hedera, Stellar, and XRP Into Focus

It is important to mention that the global move toward ISO 20022 is changing how payments are handled across banks and countries. Notably, this upgrade makes transactions faster, safer, and easier to track. XRP, Hedera (HBAR), and Stellar (XLM) already meet this standard, placing them in a good position ahead of the coming FedWire and SWIFT changes.

Hedera is supported by major technology firms such as Google and IBM, focusing on reliable and energy-efficient blockchain services for companies. Stellar has been growing its work in remittance and digital finance, especially in regions where banking access is limited. 

In addition, as highlighted in our previous news brief, the project at Stellar’s Meridian 2025 conference announced a new project, Meridian Pay, an open-source smart wallet developed by the Stellar Development Foundation. They also detailed the launch of USDY, a yield-bearing stablecoin from Ondo Finance

It is apparent that the projects all share a major objective of connecting traditional banking systems with modern blockchain solutions. Market analyst X Finance Bull said that once the 2025 upgrades roll out, demand for blockchain-based settlement systems is likely to grow. 

Market participants believe that this may lead to more institutional investments in digital assets like XRP, Hedera, and Stellar. Still, as these systems take shape, the three coins are seen as key players in shaping the future of global payments.