XRP Targets $5 With Ripple SEC & SWIFT Boost

XRP secured a major regulatory breakthrough as the SEC approved custody services for digital assets, and Ripple’s partner Thunes connected its payment system to the SWIFT network, opening access to around 11,000 banks globally. Amazing news, right? It’s not that simple.

XRP Gains Momentum With Ripple, SEC Approval, and SWIFT Integration

RIpple XRP SWIFT Alternative — Source: Watcher.Guru

SEC Clears Path for XRP Custody Services

On September 30, 2025, the Securities and Exchange Commission released a no-action letter permitting registered investment advisers (as well as broker-dealers holding XRP in custody). I find that intriguing. Large companies like Coinbase, BitGo, and other custodians have received SEC authorization to store clients in digital assets, eliminating a major institutional impediment to the adoption of XRP.

Related XRP regulatory development article – Source: SEC.gov

In my view, this regulatory clarity was issued through the Division of Investment Management Staff, and it specifically addressed how cryptocurrency should be treated under existing custody rules.

Ripple Partner Connects XRP to SWIFT Network

Money runs on connectivity. #Ripple partner Thunes plugged its Pay-to-Banks service into SWIFT. This means Ripple liquidity that is routed through Thunes can reach any SWIFT connected bank. Said to cover 11,000 banks.🤔 pic.twitter.com/Rj8lKuxLXH
— WrathofKahneman (@WKahneman) September 29, 2025

Thunes is a Ripple partner, which also incorporated its Pay-to-Banks service within SWIFT. This provides an access point of XRP liquidity to other SWIFT-linked establishments globally. WKahneman had this to say:

“Money runs on connectivity. #Ripple partner Thunes plugged its Pay-to-Banks service into SWIFT. This means Ripple liquidity that is routed through Thunes can reach any SWIFT connected bank. Said to cover 11,000 banks.”

This SWIFT integration shows a major step for Ripple’s coin adoption, as Ripple can also now tap into traditional banking infrastructure that handles trillions in daily transactions.

Also Read: Ripple CTO Resigns, XRP Price Struggles to Find Direction

Market Outlook and Price Targets

If we in the $XRP community are right that Ethereum, ConsenSys, and even Gensler had something to do with the SEC lawsuit against Ripple, and now we see ConsenSys potentially building with SWIFT, doesn’t it make sense to consider two possibilities?

First, SWIFT may have realized… https://t.co/eOhbBtgZwq
— Cryptoinsightuk (@Cryptoinsightuk) September 29, 2025

As regulation is now clear and integrating with SWIFT is adopting, analysis has also increased Ripple’s coin price forecasts to $5. The entire situation of SEC certification of custody services, plus enabling greater access via Ripple partnerships, has made it desirable to institutional invest in XRP at this stage.

The compliance issues related to custody approval have resulted in institutions no longer holding Ripple’s coin, and also the integration with SWIFT will address the scalability issues by integrating XRP into mainstream banking systems.

Also Read: XRP in October: ETFs, Speculation, and Adoption Trends to Watch