Standard Chartered Sees XRP Hitting $12.50 by 2028
Key Takeaways
According to a recent analysis by major bank Standard Chartered, the price of the cryptocurrency XRP could rise to USD 5.50 by the end of 2025. By 2028, a value of USD 12.50 is even forecasted — an increase of over 600% compared to the current price level. The main reason for this optimistic outlook is Ripple’s strong position in the area of cross-border payments. The acquisition of the prime broker Hidden Road is also seen as a strategic move to further integrate XRP and the stablecoin RLUSD into international payment systems.
Why XRP Is Considered Promising
Standard Chartered views XRP as particularly well-positioned in the digital asset market. Geoffrey Kendrick, Head of Digital Asset Research at the bank, emphasizes that XRP is at the heart of one of the most important use cases for cryptocurrencies: fast and low-cost money transfers across countries and currencies.
To this end, Ripple uses the XRP Ledger (XRPL), its own blockchain specifically developed for cross-border payments. Unlike traditional financial systems (TradFi), which often take several days to process transactions, XRPL enables near-instant settlements.
Acquisition of Hidden Road as a Catalyst
Another factor that could boost XRP is the acquisition of Hidden Road. This is a prime broker that processes around USD 10 billion in transactions daily. Ripple plans to settle a portion of these transactions via the XRPL and use its own stablecoin RLUSD as collateral.
Ripple CEO Brad Garlinghouse stated that this integration is expected to significantly increase settlement speed and reduce reliance on traditional fiat payment systems. This strengthens XRP’s role as a bridge currency in international payments.
Impact of Political Developments
The analysis also points to political factors. Following Donald Trump’s election win in November 2024, XRP saw a significant price increase. Expected regulatory easing and the potential resolution of the legal dispute between Ripple and the U.S. Securities and Exchange Commission (SEC) were cited as reasons. Such political tailwinds could further positively influence the price development.
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Market Sentiment and Short-Term Outlook
Despite the long-term positive forecasts, XRP is currently affected by macroeconomic uncertainties. Derivatives trading shows that the market sees only a low probability (4.5%) of a short-term rise to USD 4. However, this option was recently the most traded, indicating speculative expectations of a new all-time high.
Our Assessment
XRP remains an exciting candidate for the future of digital financial transactions. The combination of technological focus, strategic partnerships, and political tailwinds makes the cryptocurrency attractive to investors. Those interested in digital assets and long-term developments should keep an eye on XRP. However, short-term fluctuations cannot be ruled out — as with all crypto investments, make sure to do thorough research and act with caution.
| Symbol | XRP |
| Coin type | Alt Coin |
| Transaction Speed | High |
| Pros |
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| Cons |
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| Further practical applications | |
| Price | $2.08 |
| 24h % | -4.38 % |
| 7d % | 16.15 % |
| 30d % | -11.17 % |
| 60d % | -26.16 % |
| 1y % | 323.49 % |
| Official Links | Website |
| Socials | X |
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