Morgan Stanley has positioned Ripple as a credible alternative to the traditional SWIFT interbank messaging system, emphasizing its benefits such as near-instant settlement, faster transaction cycles, and significantly reduced fees. This endorsement highlights Ripple's potential to disrupt conventional banking processes. Market analyst Crypto Juju observes that XRP, currently trading at $2.87, is forming a bull flag pattern. If key support levels hold, XRP could potentially break out towards a target of $4.20, marking a significant move towards a new all-time high.