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Will $XRP price go up? We are checking the latest #XRP price predictions for 2025 and beyond.
XRP, the native token of #Ripple ’s XRP Ledger, is stealing the spotlight in 2025. After surging 600% from November 2024 to January 2025, it’s now consolidating around $2 Yet, a blockbuster prediction from Standard Chartered (Stan Chart) has reignited excitement: XRP could hit $12.50 by 2028, a 500%+ leap from today’s levels.
Even more audacious, the bank sees XRP overtaking Ethereum’s (ETH) market cap, potentially becoming the second-largest non-stablecoin crypto behind Bitcoin (BTC).
But how realistic is this forecast? What’s fueling XRP’s potential ascent, and what risks lie ahead? In this in-depth guide, we’ll unpack Standard Chartered’s bullish outlook, analyze the market dynamics propelling XRP, and provide actionable insights.
From regulatory wins to technical signals, here’s everything you need to know about XRP’s trajectory in 2025 and why the XRP price is going up.
Why Will XRP Surge? Standard Chartered’s $12.50 Prediction
Geoffrey Kendrick, Standard Chartered’s Global Head of Digital Assets Research, laid out a multi-year roadmap for XRP that’s turning heads. In a recent report from this week, Kendrick projects:
2025: $5.50, over 200% jump from $2.
2026: $8.00, up 44% year-over-year.
2027: $10.40, nearing double-digit territory.
2028: $12.50, a 500% rise from today, with XRP potentially flipping Ethereum’s market cap.
2029: A slight dip to $12.25, stabilizing at lofty levels.
Kendrick’s optimism isn’t blind hype—it’s grounded in three pivotal drivers: regulatory clarity, cross-border payment utility and tokenization and ETF potential.
Regulatory Clarity: Ripple’s legal saga with the U.S. Securities and Exchange Commission (SEC) took a decisive turn in 2025 when the SEC dropped its appeal. “This was expected after Trump’s crypto-friendly administration took hold,” Kendrick noted. A clearer regulatory path removes a long-standing overhang, boosting investor confidence.
Cross-Border Payment Utility: XRP’s core strength lies in facilitating fast, low-cost international transactions. Kendrick compares its role to stablecoins, citing their 50% annual transaction volume growth. “XRP’s blockchain is a payments chain,” he said, projecting similar adoption curves. Ripple’s partnerships with institutions like Santander and SBI Holdings reinforce this edge.
Tokenization and ETF Potential: Ripple is diving into asset tokenization, including U.S. Treasury bill funds and its stablecoin, RLUSD. Kendrick also anticipates SEC approval for a spot XRP ETF by Q3 2025, potentially unlocking $4–8 billion in inflows within the first year. “This would legitimize XRP for institutional and retail investors,” he added.
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@Halvings_org
XRP to hit $5.5 by '25 & $12.5 by '28? 🚀💸 Standard Chartered thinks so, citing Ripple's cross-border payments strength 💰
However, Kendrick acknowledges hurdles. XRP’s developer ecosystem lags behind Ethereum’s, and its low-fee model may cap value capture. Still, he believes these are outweighed by XRP’s real-world utility and market tailwinds.
However, Kendrick acknowledges hurdles. XRP’s developer ecosystem lags behind Ethereum’s, and its low-fee model may cap value capture. Still, he believes these are outweighed by XRP’s real-world utility and market tailwinds.
#BTCRebound #TariffsPause #MarketRebound

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