XRP Price Target Set at $12.5 Before Trump’s Term Wraps Up, Per Standard Chartered

XRP’s Road to $12.50: Why Standard Chartered Thinks the Best Is Yet to Come

As the digital asset space braces for its next wave of adoption, one token is quietly staging a comeback—and according to Standard Chartered, that token is XRP.

In a new report released Tuesday, the global investment bank laid out an ambitious multi-year forecast for XRP, projecting it could climb to $12.50 by the end of President Trump’s current term in 2028. With XRP currently hovering around $1.93—up over 7% on the day—the upside potential is significant.

The report outlines a steady growth curve: $5.50 by the end of this year, $8 by 2026, $10.40 by 2027, and finally $12.50 by 2028. While these numbers may seem bold, the bank argues they’re supported by growing regulatory clarity and XRP’s unique positioning in the financial ecosystem.

Following Trump’s re-election, XRP’s price surged sixfold, riding a wave of optimism that the SEC might retreat from its legal battle with Ripple. Hopes for the approval of XRP-based ETFs added fuel to the rally.

But Standard Chartered says the fundamentals go deeper than political winds.

“XRP isn’t just riding sentiment—it’s at the center of a critical, expanding use case: blockchain-powered cross-border payments,” said Geoffrey Kendrick, Head of Digital Assets Research at the bank. “It’s solving a real problem, and that puts it in a different league.”

Kendrick compared XRP’s functionality to that of stablecoins like Tether, which dominate in blockchain transactions for remittances, trading, and global settlements. Standard Chartered expects stablecoin usage to grow tenfold in the next four years—momentum that could extend to XRP and its underlying ledger, XRPL.

Ripple is also planning to expand XRPL into the tokenization space, giving the blockchain additional traction as institutions look to bring real-world assets on-chain.

While the report acknowledges limitations—such as a smaller developer ecosystem and modest protocol-level value capture—it maintains that these are minor setbacks in an otherwise bullish outlook.

With the winds shifting in its favor and global payment rails evolving, XRP may finally be ready for its long-awaited breakout.

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