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Top global bank Standard Chartered has presented its $XRP price predictions for 2026, 2027, and 2028, highlighting factors that could contribute to price growth.
After a turbulent 2025, $XRP has begun the new year with an impressive push alongside the rest of the crypto market. For perspective, $XRP closed last year with an 11.54% decline despite spiking nearly 46% in the first month of the year. Notably, the bearish performance from Q4 2025 erased all the early gains and led to $XRP’s first annual loss since 2022.
Standard Chartered Sets $XRP Price Prediction for 2026
However, this new year, the crypto asset appears to have recovered all the losses from 2025, up 15.48% within just four days. Importantly, $XRP has since recovered the $2 psychological level, now trading for $2.12. This aligns with predictions from Standard Chartered, which suggested that $XRP could perform exceptionally well in 2026.
In an official release, Geoffrey Kendrick, the Head of Digital Assets Research at Standard Chartered, and other analysts suggested that $XRP could soar to a new all-time high price of $8 in 2026. With the $XRP price now trading for $2.12, this would translate to an increase of 277% from the current position.
While this target could be underwhelming for some investors anticipating two-digit prices, it still represents an impressive gain for $XRP, especially if the crypto token maintains values around $8 by the end of the year. For context, the last time $XRP saw an annual gain of around 277% was during the 2021 bull run, when it rallied from $0.21 to $0.83 despite battling the U.S. SEC.
Interestingly, other market analysts have also eyed the $8 price for $XRP this year. For context, The Great Mattsby, a market commentator, recently spotlighted a November 2025 prediction from “The Charting Guy,” suggesting that $XRP could be heading toward $8. According to The Great Mattsby, this forecast “is true,” implying that the target remains intact this year.
$XRP Price Predictions for 2027 and 2028
Meanwhile, the Standard Chartered analysts also presented $XRP price predictions for subsequent years beyond 2026, confirming that they expect the altcoin to maintain its gains for two more years.
Specifically, Standard Chartered predicted an $XRP rally to $10.4 by 2027, a year from now. Notably, the $10 target has remained a recurrent theme within the $XRP community, with analyst Alex Clay projecting as far back as December 2024 that $XRP could hit this price. However, Alpha Lions Academy CEO Edoardo Farina believes $XRP investors who sell at $10 would regret their decision.
For the year 2028, Standard Chartered believes $XRP has the potential to rally further to $12.5, representing a 489% increase from the current price. Just last month, analyst EGRAG Crypto insisted that higher targets like $12 do not look crazy, citing $XRP’s fractal structure.
Importantly, Standard Chartered based its predictions on several bullish developments surrounding $XRP. For one, Kendrick called attention to the end of the SEC lawsuit in August 2025, which removed all the legal setbacks $XRP faced. Moreover, he spotlighted institutional adoption, which has materialized in the form of $XRP ETFs. Notably, these products, which launched in November 2025, have now scooped up $1.18 billion in net inflows.