Standard Chartered Predicts How High XRP Will Rise In Three Years

@media only screen and (min-width: 0px) and (min-height: 0px) { div[id^="wrapper-sevio-6a57f7be-8f6e-4deb-ae2c-5477f86653a5"]{width:320px;height:100px;} } @media only screen and (min-width: 728px) and (min-height: 0px) { div[id^="wrapper-sevio-6a57f7be-8f6e-4deb-ae2c-5477f86653a5"]{width:728px;height:90px;} }

Standard Chartered has released new projections on the long-term trajectory of XRP, the world’s third-largest digital asset by market capitalization. The bank’s analysis suggests that the token could experience steady appreciation over the next three years, potentially entering double-digit valuations for the first time.

According to Geoffrey Kendrick, who leads the bank’s digital assets research, XRP is expected to reach $5.50 by late 2025, with subsequent milestones of $8 in 2026 and $10.40 in 2027. By the end of 2028, Kendrick anticipates a stabilization around $12.50, which would represent gains of over 300% from current prices near $3.01.

Market Position and Ethereum Comparison

One of the more notable elements of the bank’s forecast is the suggestion that XRP could challenge Ethereum’s position in the cryptocurrency rankings. At present, XRP’s market value is approximately $182 billion, while Ethereum commands a capitalization above $569 billion. If XRP were to appreciate to $12.50, its valuation would rise to around $743 billion, exceeding Ethereum’s current level.

However, Standard Chartered acknowledges that Ethereum itself is expected to grow in parallel. Recent assessments from the bank have placed ETH at $7,500 before the end of this year, implying that Ethereum would likely retain a lead in market value even as XRP expands.

Drivers of Growth

The bank attributes much of its optimistic outlook to several near-term catalysts. A central factor is the possibility of U.S. regulators approving a spot exchange-traded fund (ETF) for XRP by October. Standard Chartered estimates that such a product could generate inflows ranging from $4 billion to $8 billion within its initial year of operation.

Another important development has been the resolution of Ripple’s long-running legal conflict with the U.S. Securities and Exchange Commission. The case was settled for $125 million, with no further appeals pending. This outcome has removed a significant source of regulatory uncertainty that had weighed on XRP for years.

Beyond regulatory clarity, the bank points to the continued utility of the XRP Ledger as a cross-border payments platform. Its efficiency and low transaction costs have positioned it as a competitive alternative to legacy settlement systems.

Ripple’s recent initiatives, including the launch of its stablecoin RLUSD and broader tokenization strategies, are also highlighted as potential contributors to adoption.

Challenges and Competitive Pressures

Despite the constructive outlook, Standard Chartered emphasizes that risks remain. XRP’s relatively limited developer base and minimal transaction fees may reduce its capacity to capture long-term value compared to other blockchain networks.

In addition, the rise of stablecoins, rival digital assets, and central bank digital currencies presents meaningful competition in the payments market that XRP seeks to serve.

The Broader Market Context

Standard Chartered’s outlook positions XRP as one of the most significant cryptocurrencies to watch over the next three years. While challenges remain, the combination of institutional adoption, potential ETF approval, and Ripple’s continued expansion in payments and tokenization underpins the bank’s belief that XRP could cross the $12 threshold by 2028.

Disclaimer*: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.*