Standard Chartered Predicts Ripple’s XRP Surge to $12.50 by 2028

Key Points:
  • Standard Chartered’s XRP forecast, SEC changes, XRP ETF possibility, Ripple acquisition impact.
  • XRP may reach $12.50 by 2028.
  • Ripple’s acquisitions bolster cross-border payment adoption.

Ripple’s XRP token could reach $12.50 by 2028, according to a report by Standard Chartered Bank on April 8, forecasting rising values due to expected regulatory changes and ETF approvals.

The growth of XRP signifies its increasing role in global financial systems, notably in cross-border payments amid changing regulatory landscapes.

Standard Chartered Foresees XRP Reaching $12.50 by 2028

Standard Chartered’s report underscores XRP’s expected climb from $5.50 in 2025 to $12.50 by 2028. XRP plays a pivotal role in cross-border transactions, fueled by shifts in SEC leadership and potential XRP ETF approvals.

The report indicates Ripple’s On-Demand Liquidity service propelling XRP’s growth, while also highlighting Ripple’s plans for XRPL tokenization, deepening its market influence. An improved regulatory stance from the SEC is anticipated, enhancing market confidence.

“XRP is uniquely positioned at the heart of one of the fastest-growing use cases for digital assets – facilitation of cross-border and cross-currency payments.” — Geoffrey Kendrick, Head of Digital Asset Research, Standard Chartered Bank

Historical XRP Trends Amid Regulatory Changes

Did you know? XRP saw a sixfold increase after Trump’s election in 2024, highlighting how policy alignment can massively influence crypto valuations historically.

XRP, currently priced at $1.84 with a market cap of $107.42 billion (CoinMarketCap), shows a 2.48% loss in 24 hours. Its 30-day and 90-day declines are 13.36% and 20.39%, respectively, amid notable trading volume changes.

xrp-daily-chart-13
XRP(XRP), daily chart, screenshot on CoinMarketCap at 19:07 UTC on April 8, 2025. Source: CoinMarketCap

Coincu analysts suggest Ripple’s strategic acquisitions could position XRP favorably amid regulatory changes, capitalizing on anticipated ETF approvals. Regulatory shifts could further bolster XRP’s integration into traditional markets, supporting its valuation growth trajectory.

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