Standard Chartered Predicts 550% XRP Gain by 2025

Standard Chartered has begun covering XRP, expressing a highly optimistic outlook for the digital asset. The bank predicts that XRP could reach $12.50 by the end of President Donald Trump’s current term. This projection is based on several factors, including XRP’s expanding use cases, favorable legal developments, and its resilience in the face of macroeconomic volatility.

Geoffrey Kendrick, the head of digital assets research at Standard Chartered, highlighted XRP’s potential as a top-tier investment, placing it alongside Bitcoin (BTC) and Avalanche (AVAX). Kendrick cited structural tailwinds and strategic relevance in global payments as key reasons for this assessment. The bank’s positive outlook is largely driven by the expectation that the US Securities and Exchange Commission’s lawsuit against Ripple Labs will be resolved in Ripple’s favor. This resolution would remove a significant barrier to XRP’s institutional adoption.

The bank also tied XRP’s potential upside to US political developments, suggesting that a second Trump term could bring greater regulatory clarity and a more favorable policy environment for digital assets. Standard Chartered emphasized that XRP’s value proposition has evolved beyond its original design as a cross-border payments token. It now sits at the core of the XRP Ledger, a blockchain with increasing potential for tokenization and enterprise-grade use cases.

Kendrick believes that XRP’s price could “keep pace with Bitcoin in real terms” and outlined a base-case scenario in which XRP rises from its current level near $1.90 to $12.50, assuming Bitcoin reaches $500,000 over the same time frame. The bank expects this growth to be driven by improved legal positioning, network upgrades, and growing transactional demand.

In a striking forecast, the report projected that XRP could overtake Ethereum (ETH) in market capitalization by the end of 2025. While Ethereum is expected to reach $8,000 in that timeframe, the bank labeled it a “loser” relative to other top assets, pointing to scalability challenges and growing competition from more specialized chains. Kendrick contrasted Ethereum’s broader challenges with what it views as XRP’s “sustainable” growth prospects, noting recent leadership changes within the XRP ecosystem and expanding on-chain activity.

If XRP follows the trajectory outlined in the report, it will become the second-largest non-stablecoin digital asset globally, trailing only Bitcoin. Standard Chartered maintained its existing Bitcoin forecast of $200,000 by the end of 2025 and reiterated its confidence that the next leg higher for digital assets will be fueled by “winners” that have strong use cases and regulatory visibility. Kendrick framed current market volatility, including tariff-driven uncertainty, as a strategic opportunity for long-term allocation.

With XRP now officially on the bank’s radar, the report signals a broader shift in how institutions are reassessing digital assets once seen as legally or structurally constrained. The inclusion of XRP in Standard Chartered’s top picks reflects a growing consensus that a new phase of adoption is underway, one that may reward assets with real-world applications and legal clarity over brand recognition alone.