Key Takeaways
- Standard Chartered has predicted that the XRP price could reach $12.50 by the end of Donald Trump’s term as President.
- XRP could eventually overtake Ethereum and become the second-largest cryptocurrency in market capitalization.
- XRP has grown beyond its original design as a cross-border payment token and now sits at the core of a broader use case.
Standard Chartered has made an epic XRP price prediction, stating that the token will experience a massive spike in the coming days before US President Donald Trump leaves office.
According to the UK-based international investment banker, the token currently trading at around $1.86 could surge to over $12.50 by the end of 2028. The bank gave the outlook based on XRP’s potential ability to “keep pace with our expected price increases for Bitcoin in real terms,” strengthened by the digital asset’s tokenization and cross-border payments function.
Increased Onchain Activity Reinforces Confidence
While giving the XRP price prediction, StanChart Head of Digital Assets Research Geoffrey Kendrick envisioned XRP surging to $5.50 in 2024, $8 in 2026, $10.40 in 2027, and ultimately $12.50 by the end of 2028. If this prediction unfolded as stated, it would amount to an over 500% price increase over the next three years, assuming Bitcoin reaches $500,000 over the same time frame.
Per the bank, XRP is poised to overtake Ethereum in market capitalization and become the second-largest digital asset by 2028. The bank labeled ETH, which it predicts to reach $8,000, a loser relative to other top cryptocurrencies, citing scalability challenges and growing competition from more specialized chains. According to Kendrick, Ethereum faces more significant challenges with what it views as XRP’s “sustainable” growth prospects. The bank opines that the latest leadership change within the Ripple ecosystem and enhanced onchain activity could reinforce confidence in the token’s long-term positioning.
Greater Regulatory Clarity and a Friendlier Policy Environment
Alongside the epic XRP price prediction, the bank maintained the existing Bitcoin price forecast of over $200,000 by the end of 2025, highlighting its confidence that the next crypto rally would be fueled by “winners” with strong use cases and regulatory visibility. According to the lender, XRP will likely benefit from the ongoing political development, citing that Trump’s administration initiated greater regulatory clarity and a friendlier policy environment for digital assets.
Standard Chartered XRP price prediction also emphasized that XRP’s value proposition has metamorphosed from its original design as a cross-border payments token to now sitting at the core of a broader network, the XRP Ledger. The bank sees XRPL as a blockchain with increasing potential for tokenization and enterprise-grade use cases.
Conclusion
The bold XRP price prediction by StanChart is mainly built on the expectation that the final verdict in the US Securities and Exchange Commission (SEC) ‘s suit against Ripple Labs will end in favor of the token, thereby removing the long-standing legal overhang that has dogged XRP and limited its institutional adoption. With investor confidence boosted by the favorable legal outcomes already in place, the removal of the significant cloud of uncertainty that had weighed on XRP’s price and an anticipated new ETF product, and increasing use cases in international finance could finally put XRP on the path to realizing the ambitious projections set by Standard Chartered.
Frequently Asked Questions (FAQs)
Will XRP hit an all-time high any time soon?
Analysts believe XRP has a 44% chance of breaking its $3.40 all-time high in 2025 and trading at $4 or above. According to a prediction market on betting platform Kalshi, traders also give XRP a 35% chance of breaking the $3.50 barrier.
Is there any hope for XRP?
According to onchain data from analyst Santiment, there’s a noticeable increase among users whose wallets hold between 100,000 and 100 million XRP. Historically, this behavior suggests confidence among big crypto players in the long-term potential of the token. Network fundamentals also offer a glimmer of hope for XRP.
Is now a good time to buy XRP?
Any intention to invest in XRP in the long term remains alive and well. However, any investor must be willing to wait for the issues surrounding the token to be resolved before it can pick up again. Unless you can handle having your investment remain underwater, you’re better off adopting a wait-and-see mode.
