Institutional Heat: Morgan Stanley Backs Ripple as SWIFT Challenger Amid XRP Bull Flag Pointing to $4.2

Morgan Stanley Flags Ripple as Serious Rival to SWIFT in Cross-Border Payments Morgan Stanley, often viewed as a bellwether for institutional finance, has resurfaced in the blockchain-versus-SWIFT debate. A republished excerpt in the Review of Banking & Financial Law (Vol. 36), highlighted by crypto researcher SMQKE, suggests the bank sees Ripple-like systems as a credible alternative to SWIFT, a view that could significantly influence how global banks evaluate blockchain for cross-border ￰0￱ does it matter? Well, SWIFT has dominated interbank messaging for decades, but its correspondent model is slow, costly, and ￰1￱ Stanley’s cited analysis underscores Ripple’s edge, near-instant settlement, faster transaction cycles, and up to 60% lower fees on some ￰2￱ advantages are fueling renewed demand from banks and remittance providers for rails that unlock liquidity and deliver better customer ￰3￱ Forms Bull Flag as Market Eyes Potential Surge to $4.20 Market commentator Crypto Juju suggests XRP is consolidating in a bull flag after a sharp rally, an indicator that could signal another explosive leg higher.

A bull flag forms after a sharp price surge depicted by the flagpole, followed by brief sideways or downward consolidation in the form of a ￰4￱ pause reflects profit-taking without breaking the bullish trend, and an upside breakout often signals the next strong leg ￰5￱ is hovering at a critical support zone that analysts call decisive for its next ￰6￱ to Crypto Juju, a strong rebound here could set the stage for a rally toward $4.20, a level that could mark a new all-time high (ATH) for XRP from the current $3.65. A breakout toward $4.20 would extend XRP’s momentum and cement its status as one of the year’s top ￰7￱ now, the key question is whether this support holds as the launchpad for its next major rally with the present price standing at $2.87.

Conclusion XRP is at a critical juncture as its bull flag pattern signals a potential ￰8￱ support holds, a swift move toward $4.20 could reignite investor confidence in its resilience and long-term upside. Meanwhile, Morgan Stanley’s recognition of Ripple as a viable SWIFT alternative underscores blockchain’s rise into mainstream finance with the endorsement from a global banking giant adding weight to Ripple’s model and reflecting mounting demand for faster, cheaper, and more transparent payments.