XRP has surged by 379% on its monthly price chart, overtaking Solana and Tether to become the world's third-largest cryptocurrency.The surge is attributed to speculation about the approval of the RLUSD stablecoin and the step-down notice of SEC Chairman Gary Gensler.XRP's market cap is now $140 billion, surpassing Solana and Tether by $6 billion and $31 billion, respectively.Analysts predict XRP could continue to rise, with price targets ranging from $10,000 to $18.