Project Estimate: XRP could surpass $12.50 price point by the year 2028
In the rapidly evolving world of cryptocurrencies, XRP is making waves as analysts at Standard Chartered predict a significant price surge for the digital asset. By the end of 2028, XRP is forecasted to reach a price of $12.50, representing a substantial increase from its mid-2025 price of approximately $2.30.
This bullish prediction is rooted in expectations of expanding real-world use cases, institutional investment inflows via ETFs, favourable regulatory developments, and sustained technical momentum.
One of the key growth catalysts for XRP is its primary use case: facilitating cross-border payments. The blockchain technology underpinning XRP enables faster, cheaper transactions compared to traditional financial systems. As more financial institutions worldwide integrate XRP into their payment solutions, demand for the cryptocurrency is expected to boost.
Another potential growth driver is the imminent launch of spot XRP ETFs, similar to the Bitcoin spot ETFs that debuted in January 2024. These ETFs could channel both retail and institutional investment into XRP, with some forecasts anticipating up to $8 billion in inflows, which would support price appreciation.
Technical and institutional momentum also play a significant role in XRP's predicted growth. The cryptocurrency has displayed strong technical uptrends and consolidation signals, interpreted by some analysts as a setup for a significant price surge within coming years.
Regulatory clarity is another growth catalyst. While regulatory issues surrounding Ripple and XRP have been a point of contention, recent developments under the pro-crypto Trump administration seem to have resolved these issues, potentially increasing confidence and supporting XRP's price growth.
However, investors should be mindful of significant risks. XRP has exhibited high volatility, meaning sharp price corrections are possible. Unfavourable regulatory decisions or delays could hinder adoption and price growth. Additionally, global financial conditions and broader macroeconomic factors may make sustained rapid growth difficult.
As of now, XRP is down 32% from its January highs, and it remains to be seen whether the prediction of reaching $12.50 by 2028 will materialize. If the prediction holds true, XRP's market cap would be $750 billion by 2028, more than double the current market cap of Ethereum.
Recent data from CoinShares suggests that money is moving out of XRP, which could potentially dampen the cryptocurrency's price growth in the short term. Nevertheless, with the launch of new spot XRP ETFs on the horizon, investors are keenly watching to see if these will provide the catalyst needed for XRP to reach its predicted price.
In conclusion, while the journey to $12.50 by 2028 may be challenging for XRP, the cryptocurrency's potential growth catalysts and the bullish predictions from analysts like Standard Chartered make it an exciting asset to watch in the ever-evolving cryptocurrency market.
Investing in XRP, a digital asset making waves in the world of cryptocurrencies, could benefit from expanding real-world use cases, as it facilitates faster, cheaper cross-border payments compared to traditional financial systems. The imminent launch of spot XRP ETFs may also drive investment inflows, channeling both retail and institutional money into XRP. The cryptocurrency's technical momentum, a crucial factor in its predicted growth, is demonstrated by strong uptrends and consolidation signals.
