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🚨 BREAKING: SWIFT Chooses Ethereum Layer-2 #Linea Over XRP for 2025 Cross-Border Payment Pilot
In a massive institutional pivot, SWIFT has chosen Consensys’ Linea (Ethereum L2) instead of XRP for its upcoming 2025 cross-border payments pilot. This initiative will involve 30+ major banks, including JPMorgan, HSBC, and BNP Paribas.
This move marks the biggest adoption of Ethereum Layer-2 by traditional financial institutions to date. Unlike previous expectations, there will be no native XRP integration, highlighting the growing trust in Ethereum’s scaling solutions.
What Does This Mean?
Ethereum L2 Adoption: This demonstrates that Ethereum’s Layer-2 solutions are gaining serious traction in the traditional banking sector.
XRP Setback: XRP’s role in cross-border payments is being challenged as institutional players explore more scalable and flexible alternatives.
Financial Innovation: With 30+ major banks participating, this pilot could reshape how international payments are processed, making transactions faster and cheaper.
Why Linea?
Linea, built by Consensys, is an Ethereum Layer-2 solution designed for high-speed and low-cost transactions. Its selection by SWIFT shows confidence in Ethereum’s technical infrastructure and highlights the growing trend of crypto integration in mainstream finance.
This is a historic moment for Ethereum L2s, and it could signal a new era of crypto adoption in traditional banking systems.

$XRP When an analyst predicts both an extraordinary surge and a sudden collapse in the same forecast, it captures immediate attention. That is the case with JD’s latest analysis on X. While reacting to a critical question by CoinDesk, he outlines a bold scenario: XRP could be on the verge of a “biblical rise” in Q4, only to face a dramatic “rug pull” reversal.
To understand the dual warning’s projection, it’s crucial to consider XRP’s present market position and its past performance.
✨XRP’s Current Market Position
As of report time, XRP is trading at $2.98, marking a 1.44% gain in the past 24 hours. Daily trading volume has surged to $5.91 billion, while its market capitalization stands at $178.65 billion, supported by a circulating supply of 59.87 billion XRP.
With the token consolidating just below the psychological $3.00 level, market sentiment is split between anticipation of a breakout and caution over a potential rejection.

✨JD’s Two-Stage Outlook
JD’s forecast rests on technical analysis. XRP has been within a long-term triangle pattern that appears ready to break out, coupled with a monthly Stochastic RSI crossover that often precedes rapid rallies. These signals point to the possibility of an explosive Q4 run for XRP—what he terms a “biblical rise.”
However, JD warns that the rally may not last. Once XRP reaches its peak, he believes the market could reverse violently, resulting in what he describes as a “rug pull.” While the phrase typically implies fraudulent activity, JD uses it metaphorically to suggest a sudden, steep crash triggered by exhausted liquidity and overextended leverage.
✨Historical Lessons and Market Risks
The projection echoes XRP’s 2017 surge, when the token skyrocketed before collapsing in equally dramatic fashion. Such historical parallels highlight the cyclical nature of crypto markets, where euphoric gains often set the stage for sharp corrections.
Yet the present landscape is different. Regulatory developments, institutional adoption, and macroeconomic conditions all exert influence that was largely absent in earlier cycles.
Still, XRP’s positioning near $3.00 adds weight to JD’s analysis. A breakout backed by strong volume could accelerate momentum quickly, but failure at this resistance level—or unexpected external shocks—could just as easily trigger the type of downturn he warns about.
✨Interpreting the “Rug Pull” Warning
In crypto, a true rug pull involves malicious insiders draining liquidity from a project. JD is not alleging fraud but rather highlighting the risk of a liquidity-driven crash that could catch latecomers off guard. His warning serves as a reminder that volatility remains an ever-present factor in digital assets, no matter how established they may be.
In conclusion, JD’s forecast of a “biblical rise” followed by a “rug pull” is striking, and it comes at a pivotal moment as XRP consolidates under $3.00. Whether or not the market follows his script, the analysis underscores the importance of balancing optimism with caution.
As Q4 unfolds, XRP’s trajectory will depend not only on technical signals but also on broader liquidity conditions and global market sentiment. For investors and traders alike, JD’s warning is a timely reminder: in crypto, the line between euphoria and collapse can be razor-thin.

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