Standard Chartered Sees XRP Hitting $12.50 Before End of Trump’s Term
XRP could see a significant rally, potentially reaching $12.50 before the end of President Trump’s current term, according to a new report from Standard Chartered, which has just initiated coverage on the Ripple-associated token.
The investment bank projects a steady climb for XRP over the next few years, with targets of $5.50 by the end of 2025, $8 by 2026, $10.40 by 2027, and $12.50 by 2028. At the time of publication, XRP was trading at $1.93, up more than 7% on the day.
Standard Chartered attributes recent price momentum to President Trump’s election victory, which fueled investor optimism around a potential Securities and Exchange Commission (SEC) settlement with Ripple and the possible greenlighting of XRP-based exchange-traded funds (ETFs). The token’s price reportedly surged sixfold following the election.
“These gains are not only explainable—they’re sustainable,” the report noted, citing leadership turnover at the SEC and XRP’s pivotal role in cross-border payments as primary growth drivers.
“XRP sits at the center of one of the fastest-growing digital asset use cases—cross-border and cross-currency payments,” wrote Geoffrey Kendrick, Head of Digital Assets Research at Standard Chartered.
Kendrick compared XRP’s role to that of major stablecoins like Tether, which are frequently used to settle blockchain-based transactions that were traditionally processed through legacy financial institutions.
The bank forecasts a tenfold increase in stablecoin transaction volumes over the next four years, reinforcing XRP’s strategic positioning. Stablecoins—crypto tokens pegged to fiat currencies or commodities—are widely used for global transfers and market liquidity.
Ripple also plans to expand the XRP Ledger (XRPL) into the tokenization space. As a decentralized public blockchain, XRPL is already widely used for payments but may gain additional utility as real-world assets increasingly move on-chain.
While the report acknowledged XRPL’s relatively small developer base and limited value capture as challenges, it emphasized that strong macro and sectoral tailwinds more than compensate for those weaknesses.
Given these dynamics, Standard Chartered believes XRP is well-positioned to track closely with bitcoin (BTC) in terms of long-term price appreciation.
