Ripple is listed as an option to existing payment systems by the World Economic Forum (WEF), and the technical indicators of Ripple are positive in the backdrop of increasing institutional activity.
Ripple has been officially recognized by the WEF as a transformative force in global payments, giving the protocol a plausible alternative to conventional banking rails.
SMQKEDQG on X notes that the Ripple protocol is directly called in the WEF report as viable infrastructure, and it is said that the institutions can use the protocol to settle in real-time without clearinghouses.
‼️ WORLD ECONOMIC FORUM DOCUMENT NAMES RIPPLE AS A VIABLE ALTERNATIVE RAIL TO TRADITIONAL PAYMENT SYSTEMS‼️
“If usage of the Ripple protocol were to expand to other banks, it could be EASILY used for real-time payment and settlement BETWEEN these institutions with NO automated… pic.twitter.com/VISQFbBtHs
— SMQKE (@SMQKEDQG) January 19, 2026
Source: SMQKEDQG
This structure does away with correspondent banks. Traditional intermediaries are no longer necessary since financial institutions can now pay directly using decentralized rails.
Banks Already Testing Ripple Settlement
Fidor Bank has implemented Ripple in its internal settlement. The German online bank made transactions more efficient with the help of blockchain, and other organizations can easily follow this pattern.
The WEF scenario demonstrates the process through which incumbent banks support alternative payment schemes. The traditional providers play the role of gateways to the non-traditional networks, whereas Ripple is the central settlement infrastructure.
CIC Insurance collaborated with M-Pesa to provide micro-insurance services. Customers make premiums and get the claims directly in M-Pesa balances, which reflects the way conventional companies adopt alternative rails.
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Technical Signals Point Upward
On X, ChartNerdTA tweeted that XRP is on track to a bullish MACD cross. The weekly indicator can activate in weeks and historical bullish crosses were the riding force behind XRP to all-time highs.
📈 $XRP could be a few weeks away from forming a bullish cross on its weekly MACD and breaking its descending resistance. Interesting times ahead—the last bullish cross led XRP to new ATHs 🤔 pic.twitter.com/NJOUxC8zq6
— 🇬🇧 ChartNerd 📊 (@ChartNerdTA) January 19, 2026
Source: ChartNerdTA
Current price action is pressured by a descending line of resistance. Breach of this level gives validation to the bullish momentum and reflects the pattern of historical breakouts.
AliCharts detected a falling wedge he tweeted on X. This trend mostly leads to significant upward moves, and the analyst forecasts a breakout to the higher level of $2.23.
$XRP could be forming a falling wedge, setting the stage for a bullish breakout to $2.23. pic.twitter.com/PoUYb6IAtL
— Ali Charts (@alicharts) January 19, 2026
Source: Alicharts
Technical optimism is a basic validation in the WEF documentation. Bullish chart patterns are consistent with institutional recognition, which keeps up with the potential price growth in the future.