XRP News Today: Standard Chartered Forecasts 300% XRP Surge to $12.50 by 2028

Standard Chartered has released a bullish three-year projection for XRP, the native token of Ripple’s blockchain network, forecasting a potential price of $12.50 by 2028 [1]. This would represent a more than 300% increase from its current price of around $3.01 and could push XRP’s market valuation beyond $743 billion, surpassing Ethereum’s current market cap [1]. Geoffrey Kendrick, head of the bank’s digital assets research, outlined a step-by-step price trajectory, with XRP expected to reach $5.50 by late 2025, $8 in 2026, and $10.40 in 2027 [1]. The forecast is rooted in several key factors, including regulatory clarity and potential catalysts like the approval of a spot exchange-traded fund (ETF) for XRP by October 2025 [1]. Standard Chartered estimates that an ETF could attract between $4 billion and $8 billion in inflows during its first year of operation [1].

A critical development supporting the forecast is the resolution of Ripple’s long-standing legal battle with the U.S. Securities and Exchange Commission. The case was settled in 2022 for $125 million, eliminating a major source of regulatory uncertainty and boosting investor confidence [1]. Additionally, the XRP Ledger’s continued utility in cross-border payments remains a significant growth driver. Its low transaction costs and speed have made it an attractive alternative to traditional settlement systems, particularly for banks seeking faster and more efficient international transfers [1]. Ripple’s recent expansion into stablecoins and tokenization strategies is also cited as a potential contributor to XRP’s future adoption and value [1].

While Standard Chartered’s forecast is optimistic, the bank acknowledges potential challenges. XRP’s relatively small developer community and minimal transaction fees may limit its ability to capture long-term value compared to other blockchain platforms [1]. Moreover, growing competition from stablecoins, rival digital assets, and emerging central bank digital currencies could impact XRP’s dominance in the payments market [1]. Despite these risks, Standard Chartered maintains that XRP’s strategic position and growing institutional adoption make it one of the most important cryptocurrencies to watch over the next three years [1].

The bank’s XRP projections are part of a broader assessment of the digital asset market, which includes a long-term forecast for Bitcoin reaching $500,000 by 2029 [1]. Should this scenario unfold, it could reinforce momentum for altcoins like XRP, particularly as institutional interest and regulatory clarity continue to improve [1]. The surge in open interest for XRP futures—$9.02 billion recorded on the Chicago Mercantile Exchange in August 2025—also signals growing speculative and institutional demand [6]. Furthermore, XRP’s recent reclassification under the U.S. Clarity Act has enhanced its institutional appeal and helped attract new investors [7].

Standard Chartered’s $12.50 target for XRP by 2028 is among the most aggressive among analysts [1]. The forecast underscores confidence in Ripple’s ability to scale its xRapid solution, already used by several banks for instant cross-border transactions [1]. However, it is important to note that these are analyst forecasts and not guaranteed outcomes. The actual performance of XRP will depend on a range of factors, including macroeconomic conditions, regulatory developments, and the speed of technological adoption [1]. For now, Standard Chartered’s projections offer a compelling perspective on the potential trajectory of XRP over the next three years [1].

Source: [1] [Here's How High XRP Will Go in 3 Years, According to Standard Chartered](https://thecryptobasic.com/2025/08/23/heres-how-high-xrp-will-go-in-3-years-according-to-standard-chartered/)

[6] [XRP's Strategic Position Amid Regulatory Shifts and Macro Catalysts](https://www.ainvest.com/news/xrp-strategic-position-regulatory-shifts-macro-catalysts-2508/)

[7] [High-Utility Altcoins Poised to Outperform as Bitcoin Approaches $160K](https://www.ainvest.com/news/high-utility-altcoins-poised-outperform-bitcoin-approaches-160k-2508/)