XRP is consolidating below the $3 mark, with analysts identifying $3.15 as a critical breakout level that could propel the price to $3.50. The cryptocurrency's tightening price action and strengthening on-chain momentum indicate a potential surge. XRP, along with Hedera (HBAR) and Stellar (XLM), is expected to benefit from the upcoming Fedwire and SWIFT upgrades in 2025. These upgrades align with ISO 20022 standards, supporting the modernization of cross-border finance and real-time settlement systems, potentially boosting these cryptocurrencies' adoption and value.