XRP Price Target $12.50: Standard Chartered Predicts ETH Flip by 2028

Standard Chartered Bank has released a groundbreaking forecast predicting XRP will overtake Ethereum’s market capitalization by 2028, projecting a meteoric price surge to $12.50. This bold prediction from one of banking’s most respected names signals growing institutional confidence in XRP’s long-term potential.

Standard Chartered’s XRP Price Trajectory Through 2029

Geoffrey Kendrick, Standard Chartered’s global head of digital assets research, has outlined a detailed year-by-year price trajectory for XRP:

• 2025: $5.50 (alongside BTC at $200,000 and ETH at $4,000)
• 2026: $8.00 (45% increase)
• 2027: $10.40 (30% increase)
• 2028: $12.50 (peak price)
• 2029: $12.25 (slight decline)

This forecast builds upon Standard Chartered’s earlier XRP analysis which initially highlighted the potential for a 200% rally. The bank’s latest report provides more granular detail on the expected growth trajectory.

Key Catalysts Driving XRP’s Growth

Several fundamental factors support Standard Chartered’s bullish outlook:

• Regulatory clarity following SEC case resolution
• Expected XRP spot ETF approval by Q3 2025
• Projected $8 billion first-year ETF inflows
• 50% annual growth in stablecoin transaction volumes
• Expansion into tokenization markets

Challenges and Risks

Despite the optimistic outlook, several potential headwinds exist:

• Limited developer ecosystem compared to Ethereum
• Low-fee structure may restrict value capture
• Competition from other payment-focused blockchains
• General market volatility and regulatory uncertainty

FAQ: XRP’s Path to Ethereum Flip

Q: When exactly will XRP overtake Ethereum’s market cap?
A: According to Standard Chartered, the flip is expected to occur by the end of 2028.

Q: What are the key price milestones to watch?
A: The critical levels are $5.50 (2025), $8.00 (2026), $10.40 (2027), and $12.50 (2028).

Q: What could accelerate or delay this timeline?
A: ETF approval timing, regulatory developments, and institutional adoption rates are the main variables that could impact the timeline.