XRP’s price prediction 2028 analysis from Standard Chartered Bank suggests substantial growth for Ripple’s cryptocurrency in the coming years. The bank has forecasted that XRP could reach $12.50 by the end of 2028, which represents a 614% increase from current prices that are hovering around $1.83. At the time of writing, other platforms such as CoinCodex also indicate that XRP might touch as high as $6.09 in December 2028, with a potential ROI of approximately 232.81%, which is certainly impressive for long-term investors.

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XRP Price Prediction for 2028: Will Ripple Grow?

Closer Look at Bullish XRP Prediction

Standard Chartered Bank has recently released its XRP price forecasts showing a steady upward trajectory through 2028. XRP might hit $5.50 by the end of 2025, and then rise to $8.00 in 2026, reach $10.40 by 2027, and finally climb to $12.50 by the close of 2028.

The report cites several supporting factors for these XRP price projections, including the new pro-crypto SEC leadership under President Trump’s administration and also XRP’s expanding role in cross-border payments, which seems to be gaining more traction right now.

These projections were made following XRP’s impressive 580% run from November 2024 to January 2025. Geoffrey Kendrick, who currently serves as Standard Chartered’s Head of Digital Assets Research, noted in the report that XRP offers similar utility to stablecoins in the global financial system.

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Monthly Price Forecast for 2028

CoinCodex projections show that XRP will likely hit its lowest point in July at around $1.88 and reach its highest in December at an impressive $6.09.

The month-by-month breakdown indicates that XRP will start 2028 at approximately $2.14 in January before experiencing some moderate volatility during the first half of the year. An interesting and significant uptrend begins in November, when prices will likely jump to $3.01, followed by the December peak, which could excite investors who have been holding.

During this period, the cryptocurrency will likely trade at an average price of $2.48 for the year, representing a 35.69% increase from current levels. These variations can also be attributed to various market cycles, regulatory developments, and broader crypto trends that will probably influence investor sentiment.

Growth Drivers for XRP

There are several important factors that seem to support positive Ripple price 2028 forecast figures. For one thing, XRP’s utility in facilitating cross-border payments positions it well in the expanding global financial infrastructure, which is becoming increasingly important.

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Standard Chartered’s report also mentions that Trump’s pro-crypto policies and new SEC leadership have created a more favorable regulatory environment for XRP. This shift follows years of regulatory challenges that previously suppressed XRP’s price potential.

The combination of favorable regulatory conditions, expanding use cases, and Ripple’s strategic positioning in the market creates a strong foundation for XRP’s future value. If an investor were to put $2,000 into XRP today at the current price of $1.75, they could see their investment grow to approximately $14,280 based on Standard Chartered’s projections.