TLDR
- Standard Chartered predicts XRP could reach $5.50 by end of 2025 and $12.50 by 2028
- XRP currently trades around $1.80-1.94, down from January 2025 peak near its all-time high
- Teucrium launched the first XRP-based ETF in the US, though spot ETF applications still pending
- Some analysts see bullish MACD indicators suggesting potential return to $3.30+
- Others warn of possible further drop to $1.30 following recent market crash
XRP, Ripple’s native cryptocurrency, has experienced a rollercoaster journey over the past several months. After remaining relatively stagnant for most of 2024, trading between $0.50-$0.60, XRP saw a dramatic price surge following Donald Trump’s victory in the November 2024 US presidential election.
The token’s value soared past $2.50 within a month of Trump’s win. By January 2025, XRP nearly matched its all-time high of $3.40, exciting long-term supporters of the digital asset.
However, recent months have seen a substantial retracement, with XRP currently trading around $1.80-1.94. Despite this pullback, British multinational bank Standard Chartered has issued a remarkably optimistic forecast for XRP’s future price action.
Standard Chartered’s Bold Forecast
According to reports, Standard Chartered predicts XRP could reach $5.50 by the end of 2025 and climb to $12.50 by 2028, coinciding with the end of President Trump’s term. This represents a potential 500% increase from current price levels.
Geoffrey Kendrick, head of digital assets research at Standard Chartered, outlined a gradual upward trajectory for XRP: $8 in 2026, $10.40 in 2027, and finally $12.50 in 2028.
The bank even suggested XRP could eventually overtake Ethereum in total market value, making it the second-largest cryptocurrency behind Bitcoin. This would be a remarkable achievement, considering XRP’s current market capitalization is less than $105 billion.
Standard Chartered cites the potential approval of XRP exchange-traded funds during Trump’s presidency as a major catalyst for this projected growth. The crypto community was excited when asset manager Teucrium introduced the first XRP-based ETF in the US earlier this week.
This ETF is based on financial contracts (swaps) that track XRP’s price rather than holding the asset directly. However, its launch did not trigger an immediate price rally, with XRP actually dropping about 4% following the announcement.
Market Analysis and Technical Indicators
The cryptocurrency market has recently experienced turbulence, with many top altcoins including XRP dropping 15-20% in a 24-hour period during what some are calling “Trump’s tariff mess.”
Despite this downturn, some analysts remain optimistic about XRP’s prospects. Trader JAVON MARKS recently noted that XRP’s Moving Average Convergence Divergence (MACD) indicator is approaching “a breaking point,” suggesting bulls may return and push prices back toward $3.30 or higher.
$XRP's MACD is nearing a BREAKING POINT and also holding a key Regular Bullish Divergence with prices!
This divergence suggests that bulls can return with DOMINANCE and shift prices into continuing recent major uptrend back towards $3.30+.
XRP can have MORE IN THE TANK! pic.twitter.com/Y4kfA43Vk7
— JAVON⚡️MARKS (@JavonTM1) April 8, 2025
The MACD is a technical analysis tool that helps traders identify potential trend changes and momentum, providing possible buy or sell signals for assets like XRP.
Not all predictions are positive, however. Analyst Ali Martinez pointed to XRP’s drop below $2 as a bearish signal, forecasting a potential further decline to $1.30.
$XRP is breaking out of a head-and-shoulders pattern, setting the stage for a potential move to $1.30! pic.twitter.com/Uqr2SiX6z7
— Ali (@ali_charts) April 7, 2025
Trump Administration and Crypto Policy
President Trump’s return to the White House has brought a markedly different approach to cryptocurrency regulation compared to his previous term. He has made numerous promises to support the growth of the crypto industry, pledging to make America a global hub for digital assets.
In early March 2025, Trump confirmed plans to establish a strategic crypto reserve that would include several leading cryptocurrencies. However, when he signed the executive order for this initiative, it focused solely on Bitcoin, excluding XRP.
The crypto community is watching closely for any additional signs of support for XRP from the Trump administration, as such endorsements could positively impact the token’s value.
The renewed optimism around XRP also stems from improved legal clarity. The U.S. Securities and Exchange Commission recently dropped its appeal in the lawsuit against Ripple, removing a long-standing regulatory threat that had weighed heavily on XRP for years.
XRP continues to be used globally by banks and payment providers for fast, low-cost cross-border transactions, reinforcing its real-world utility beyond speculative trading.
Bloomberg’s senior ETF analyst Eric Balchunas highlighted Standard Chartered’s ambitious price prediction with the comment, “Nature is healing,” suggesting a return to confident price forecasts in the crypto space after periods of uncertainty.
Crypto analyst Moon Lambo expressed excitement about Standard Chartered’s forecast, noting that the XRP community has believed in this kind of potential for over ten years, and it feels like the broader market is finally recognizing what XRP supporters have long anticipated.
While XRP’s immediate price action remains volatile in the current market downturn, Standard Chartered’s long-term optimism suggests the fundamental case for XRP remains strong.
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