Standard Chartered Forecasts XRP to Reach $12.50 by 2028
Standard Chartered has released a new XRP price prediction, forecasting a rise from $3.01 today to $5.50 by late 2025, $8 in 2026, $10.40 in 2027 and $12.50 by end-2028. The XRP price prediction is underpinned by potential US approval of a spot XRP ETF by October, which could draw $4 billion to $8 billion in inflows. A $125 million settlement of Ripple’s SEC lawsuit has removed major regulatory uncertainty. The bank also highlights XRP Ledger’s low fees, cross-border payment efficiency, and Ripple’s RLUSD stablecoin and tokenization push as growth drivers. In its wider digital asset outlook, Standard Chartered projects Ethereum at $7,500 this year and Bitcoin at $500,000 by 2029. Despite bullish signals, risks include competition from stablecoins, CBDCs and rival networks, alongside XRP’s limited developer base. Traders should watch ETF progress, inflows and legal clarity for short-term volatility and long-term upside aligned with this XRP price prediction.
Bullish
Standard Chartered’s forecast of over 300% gains in XRP by 2028, backed by catalysts such as a potential spot XRP ETF and resolution of the Ripple-SEC lawsuit, signals strong bullish momentum. Historical precedents—like the Bitcoin ETF approvals in 2021 and positive SEC rulings—triggered major price rallies, suggesting similar short-term spikes for XRP once regulatory clarity arrives. In the long term, ETF-driven inflows, enhanced liquidity and institutional adoption could sustain upward pressure, although competition from stablecoins, CBDCs and rival networks may temper gains. Overall, traders are likely to view this outlook as a bullish driver, prompting increased accumulation ahead of key regulatory milestones.