THE MOST SENSUAL CRYPTO XRP heading to 17.20 USD in 2026 and three digits before 2030 due to ISO 20022

New York, Nov 18, 2025 (Reuters) – Analysts from Bank of America, Standard Chartered, and JPMorgan agree: XRP will reach 17.20 dollars by mid-2026 and surpass 100 dollars before 2030 thanks to the massive adoption of the ISO 20022 standard in cross-border payments.

The mandatory migration from SWIFT to ISO 20022 (November 2025) positions RippleNet and its asset XRP as the most efficient solution: settlement in 3-5 seconds and up to 70% lower cost than traditional systems.

Confirmed main catalysts:

- FedNow international and ECB will use XRP as a bridge 24/7 from 2026.

- Japan will process 148,000 million USD annually in remittances via XRP starting January 2026 (SBI Ripple Asia).

- More than 400 institutions already integrated and guaranteed liquidity priority for RippleNet members post-ISO 20022.

Official projections:

- Bank of America: 127 USD (2027) → 340 USD (2030)

- Standard Chartered: “secure three digits” (100-400 USD) in 24-36 months

- JPMorgan: daily volume >5 trillion USD in 2028

From its current price close to 2.20 USD, the consensus points to a revaluation of +1,200% in 18 months and +10,000% in five years. Industry sources reveal that several central banks are already accumulating XRP OTC for liquidity reserves.

For the first time, the crypto community and traditional banking coincide: XRP is not speculation; it is the infrastructure of the money of the future.