XRP Price Prediction: Standard Chartered Sees $12.50 by 2028 Despite Market Crash

The post XRP Price Prediction: Standard Chartered Sees $12.50 by 2028 Despite Market Crash appeared first on Coinpedia Fintech News

While the whole crypto is juggling with Trump’s tariff mess with Bitcoin dipping to $75K level, altcoins are also facing a downward pressure. ETH, BNB, SOL, XRP, LINK, and LTC, all top altcoins, are down over 15-20% in 24 hours!

However, despite this, XRP is once again grabbing headlines, as Standard Chartered believes XRP could rise to $5.50 by the end of this year and even hit $12.50 by 2028. That’s more than a 500% increase from its current price of around $1.94. The forecast was brought to light by Bloomberg’s senior ETF analyst Eric Balchunas, who jokingly said, “Nature is healing,” pointing to the return of big, confident price calls in the crypto space. 

The Bank Thinks XRP Has Serious Potential

The prediction comes from Geoffrey Kendrick, the head of digital assets research at Standard Chartered. According to him, XRP could slowly climb its way up over the next few years, hitting $8 in 2026, $10.40 in 2027, and finally $12.50 in 2028. The bank even thinks the XRP price has a shot at overtaking Ethereum in total market value, which would make it the second-largest crypto behind Bitcoin. That’s a huge deal, and it shows how much faith Standard Chartered has in XRP’s long-term use case.

Crypto analyst Moon Lambo said he is thrilled that a big global bank like Standard Chartered now believes XRP could reach $12.50. He finds it crazy in a good way because the XRP community has believed in this kind of potential for over ten years. To him, it feels like the world is finally starting to see what XRP supporters have seen all along.

New ETF Sparks Attention, But Not Price Action

The excitement around XRP also grew after the launch of the first XRP-related ETF in the U.S. This product doesn’t actually hold XRP directly—it’s based on financial contracts (called swaps) that follow XRP’s price. It’s a unique approach, but it didn’t cause a major rally. In fact, XRP’s price dropped by about 4% after the ETF news, showing that traders may be cautious for now.

Legal Win and Real-World Use Keep Hope Alive

One of the biggest reasons behind this renewed optimism is XRP’s legal clarity. The U.S. Securities and Exchange Commission recently dropped its appeal in its lawsuit against Ripple, removing a long-standing threat that had weighed heavily on XRP. On top of that, XRP continues to be used globally by banks and payment providers to move money across borders quickly and cheaply.

What Comes Next?

Even though XRP hasn’t pumped right away, the pieces may be falling into place for a strong comeback. If Standard Chartered is right, this could just be the beginning of a multi-year rise. Legal clarity, actual use, and growing attention from big players might finally push XRP toward the spotlight again.