The XRP price prediction for Trump’s second term is looking quite promising, at least according to a recent Standard Chartered report that was just published. The banking giant forecasts some substantial increases for Ripple’s cryptocurrency over the next four years, with various regulatory developments and also institutional adoption driving this upward trend.

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XRP To $12.5? Ripple’s Future Under Trump’s Second Term Explained

Standard Chartered Bank predicts that XRP will reach about $12.5 before the end of Trump’s second term in 2028. This price target comes as an impressive 500% increase from XRP’s current $1.99 valuation, and might reshape the cryptocurrency landscape during Trump’s presidency.

Standard Chartered’s Ambitious XRP Price Targets

Standard Chartered’s British multinational bank has outlined a pretty clear growth path for XRP through Trump’s second term. According to their analysis, the XRP price prediction indicates values of around $5.50 in 2025, approximately $8 in 2026, about $10.40 by the end of 2027, and finally $12.50 in 2028.

Geoffrey Kendrick, head of digital assets research at Standard Chartered Bank, stated:

By the end of 2028, we see XRP’s market cap overtaking Ethereum’s. That will make XRP the second largest (non-stablecoin) digital asset at that time.

This XRP price prediction during Trump’s second term basically suggests it could actually surpass Ethereum to become the second-largest cryptocurrency by market cap, which is pretty significant.

Standard Chartered identified several important catalysts for XRP’s projected price surge. A major development mentioned in their report was the SEC abandoning its appeal in the XRP legal battle, which seems to align with Trump’s crypto market impact following his election victory last year.

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Ripple’s Broader Strategy and Market Challenges

Ripple’s price outlook for 2025 received additional support from Standard Chartered’s prediction that the SEC will probably approve XRP ETFs in Q3 2025, potentially bringing somewhere between $4-$8 billion in first-year investments alone.

Kendrick explained in the report:

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.

The bank also notes that stablecoin transactions increased by about 50% last year, with a projected tenfold growth over the next four years, creating a somewhat favorable environment for XRP’s price potential during Trump’s term.

Ripple’s price outlook for 2025 is further strengthened by the company’s expansion into tokenization, including Treasury bill funds and also the RLUSD stablecoin. Standard Chartered forecasts that XRP will likely move alongside Bitcoin, which they predict will reach approximately $500,000 by 2028, further supporting the XRP $12.5 prediction.

The XRP price prediction for Trump’s second term does take into account some challenges in the XRPL ecosystem. The bank acknowledges XRPL’s smaller developer community and low-fee model as certain limitations, but believes that the positive factors will probably outweigh these concerns in the long run.

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Trump’s crypto market impact appears to be quite crucial to the Standard Chartered XRP forecast. The bank suggests that Trump’s administration will create a more favorable regulatory environment, particularly benefiting XRP given its recent legal victories against the SEC last year.

The Standard Chartered XRP forecast of $12.5 represents one of the most optimistic mainstream predictions for the cryptocurrency right now. If achieved, this XRP $12.5 prediction would transform Ripple’s market position during Trump’s second term and potentially redefine its role in the broader financial system as we know it.