- Despite the broader crypto crash, Standard Chartered predicts XRP could soar to $12.50 by 2028, citing legal clarity and strong real-world utility.
- XRP’s growing institutional backing and renewed ETF attention hint at a potential long-term breakout.
While crypto markets reel from a Trump-induced tariff storm, sending Bitcoin tumbling to the $75K mark and altcoins like ETH, BNB, SOL, LINK, and LTC down 15-20% in just 24 hours, one coin is quietly stealing the spotlight: XRP.
Despite the downturn, banking giant Standard Chartered has made a bold call—predicting XRP could surge to $5.50 by the end of 2025 and hit $12.50 by 2028. That’s a jaw-dropping 500% climb from its current price of around $1.94. The forecast, highlighted by Bloomberg ETF analyst Eric Balchunas, who quipped “Nature is healing,” signals a return to confident—and controversial—price targets in the crypto space.
Also read: XRP ETF Launch Outperforms Solana, Trails Bitcoin in Trading Volume Showdown
The optimistic outlook comes from Geoffrey Kendrick, head of digital assets research at Standard Chartered. He envisions a gradual rise: $8 in 2026, $10.40 in 2027, and ultimately $12.50 by 2028. The bank even floated the idea that XRP could surpass Ethereum in market cap, potentially making it the second-largest cryptocurrency after Bitcoin. A long shot? Maybe. But it underscores growing institutional belief in XRP’s utility for cross-border payments.
Crypto influencer Moon Lambo called the prediction “crazy—in a good way,” noting that XRP’s die-hard community has long believed in this trajectory. “It feels like the world is finally catching up,” he said.
Adding to the momentum, the U.S. recently saw the launch of its first XRP-related ETF. Though the ETF—based on XRP price swaps rather than holding the token directly—didn’t move the needle immediately (XRP dipped 4% post-announcement), it marked a milestone in mainstream crypto exposure.
More importantly, XRP scored a major legal win when the SEC dropped its appeal against Ripple, clearing a cloud that had hung over the asset for years. Coupled with real-world adoption by banks and financial institutions, XRP may finally be ready for its breakout.
While markets remain shaky, the groundwork for a long-term XRP rally seems solid. If Standard Chartered’s crystal ball proves accurate, XRP’s comeback story might just be getting started.
