Investment banking giant Standard Chartered has made a bold price prediction for XRP, suggesting the cryptocurrency could reach $12.50 before the end of President Trump’s term in office. This ambitious forecast comes amid growing optimism surrounding regulatory clarity and the token’s expanding use cases in global finance. According to a Tuesday report , Standard Chartered envisions a steady upward trajectory for XRP, projecting milestones of $5.50 by the end of 2025, $8 by the end of 2026, $10.40 by the end of 2027, and ultimately $12.50 by the end of 2028. Notably, the bank attributed XRP’s sixfold increase following Trump’s November election victory to market expectations that the Securities and Exchange Commission (SEC) would abandon its legal challenges against Ripple, as well as speculation surrounding potential XRP exchange-traded fund (ETF) approvals. The report suggested these gains are sustainable not only due to anticipated leadership changes at the SEC but also because of XRP’s fundamental utility . “XRP is uniquely positioned at the heart of one of the fastest-growing use cases for digital assets – facilitation of cross-border and cross-currency payments,” stated analysts from the bank. The bank further highlighted similarities between the XRP Ledger (XRPL) and popular stablecoins like Tether, noting that both enable blockchain-powered financial transactions that conventional banking institutions traditionally handle. “XRPL is similar to the main use case for stablecoins such as Tether: blockchain-enabled financial transactions that have traditionally been done through traditional financial (TradFi) institutions,” wrote Geoffrey Kendrick, head of digital assets research at the bank. Notably, the bank predicts a tenfold increase in stablecoin transactions in the next four years. Meanwhile, despite the optimistic long-term outlook, technical indicators suggest XRP faces near-term challenges. Earlier this week, the token breached $2.00, a crucial psychological support level. This breakdown has completed a bearish head-and-shoulders pattern, potentially signaling further downside pressure. Additionally, XRP is currently trading below its 21-day exponential moving average (EMA) of approximately $2.20, which now acts as resistance after multiple failed attempts to reclaim this level. On the other hand, the relative strength index (RSI) has declined into negative territory, hovering near 30—an indication that selling pressure currently outweighs buying interest in the market. That said, if Standard Chartered’s predictions materialize, XRP would experience more than a 500% increase from current levels by 2028. At the time of writing, the crypto asset was trading at $2.07, representing a 1.34% surge over the past 24 hours.
