Standard Chartered Bank Optimistic Projection for XRP
Standard Chartered Bank has released an optimistic projection for XRP, forecasting that the digital asset could reach US$12.50 by 2028. This estimate represents an appreciation of over 500% in the coming years, primarily driven by the expectation of greater institutional adoption, advancements in tokenization, and a more defined regulatory environment.
The British bank also projects the approval of a spot ETF for XRP in the third quarter of 2025, which could represent a significant milestone for the asset’s liquidity and visibility. According to Geoffrey Kendrick, head of digital asset research at the bank, an exchange-traded fund could attract between US$4 billion and US$8 billion in investments within its first year of operation.
Kendrick highlighted that XRP has the potential to surpass Ethereum in market value by 2028, taking the position of the second-largest cryptocurrency, behind only Bitcoin. Among the factors supporting this analysis are the use of XRP in international payments and the development of solutions aimed at the tokenization of traditional assets.
According to the analyst, the recent retreat of the SEC in the legal proceedings against Ripple, combined with the current political environment, favors the institutional adoption of XRP. Ripple, in turn, has been expanding its operations with the launch of products based on tokenized U.S. Treasury securities and the development of a stablecoin pegged to the dollar.
Regarding price trajectory, Standard Chartered forecasts that XRP could reach US$5.50 by the end of 2025, advance to US$8.00 in 2026, and peak at US$12.50 in 2028—based on the assumption that Bitcoin reaches US$500,000 during the same period.
Despite the positive projection, the bank acknowledges limitations in the XRP ecosystem, such as the low presence of developers and reduced transaction fees, which hinder large-scale monetization.
In addition to XRP, Kendrick also reinforced positive expectations for Bitcoin and Avalanche, while expressing skepticism about Ethereum’s future performance, labeling it as a “identified loser” in the evolution of the digital asset market.
At the time of publication, the price of XRP was quoted at US$2.20, up 6% in the last 24 hours.