XRP May Climb to $12.5 by the End of Trump’s Presidency, Says Standard Chartered

Standard Chartered Sets Bold Price Target for XRP, Sees $12.50 by 2028

XRP may be poised for a powerful long-term rally, with Standard Chartered forecasting the token could hit $12.50 before President Trump’s current term concludes in 2028.

In a newly released report initiating coverage on XRP, the investment bank laid out a bullish roadmap: $5.50 by the end of 2025, $8 by 2026, $10.40 by 2027, and a $12.50 top by the close of 2028. As of Tuesday, XRP was trading at $1.93, up over 7% on the day.

According to the bank, XRP’s recent surge—spurred by Trump’s re-election—reflects renewed optimism that the SEC will back off its legal fight with Ripple and that XRP-focused ETFs could soon receive regulatory approval.

“The market’s response was clear—XRP jumped sixfold after the election,” the report noted. “That momentum is grounded in real fundamentals.”

Chief among those fundamentals is XRP’s central role in the global payments ecosystem.

“XRP is strategically positioned to capitalize on the rise of blockchain-based cross-border and cross-currency transactions,” wrote Geoffrey Kendrick, Standard Chartered’s Head of Digital Assets Research. “This is one of the most compelling and scalable real-world use cases for crypto today.”

The report likened XRPL’s utility to that of stablecoins like USDT and USDC, which already handle billions in blockchain-based transfers that previously relied on traditional financial systems. Standard Chartered expects stablecoin-related transactions to increase tenfold over the next four years—a tailwind that could also benefit XRP.

In addition to payments, Ripple is planning to expand XRPL’s use case into tokenization, potentially unlocking new streams of demand.

Still, the report noted two drawbacks: a relatively small developer community and limited value capture for the XRPL network. However, these headwinds are not expected to significantly hinder XRP’s growth trajectory.

With macro trends, regulatory shifts, and infrastructure expansion aligning, Standard Chartered believes XRP is well-positioned to deliver returns on par with—and possibly rival—bitcoin over the next several years.