Trump’s second-phase XRP price forecast looks very promising, at least according to a recent standard chartered report that has just been released. The banking giant predicts a significant increase in Ripple’s cryptocurrency over the next four years, with various regulations rolling out and institutional adoption driving this upward trend.
$12.5 from XRP? Ripple’s future under Trump’s second term was explained
Standard Chartered Bank predicts XRP will reach around $12.5 before the end of Trump’s second term in 2028. This price target is up 500% from XRP’s current $1.99 valuation, potentially reconstructing the cryptocurrency landscape during Trump’s presidency.
Standard Chartered’s ambitious XRP price target
The UK multinational bank at Standard Chartered outlined a rather clear growth path for XRP throughout Trump’s second term. According to their analysis, XRP price forecasts show a value of around $5.50 in 2025, about $8 in 2026, about $10.40 by the end of 2027 and $12.50 in 2028.
“We’ve seen a lot of experience in digital assets,” said Geoffrey Kendrick, Head of Digital Asset Research at Standard Chartered Bank.
By the end of 2028, XRP’s market capitalization will be seen surpassing Ethereum’s market capitalization. This makes XRP the second largest (unstable coin) digital asset at the time.
This XRP price forecast for Trump’s second period essentially suggests that it could actually surpass Ethereum and become the second largest cryptocurrency by market capitalization. This is very important.
The standard chartered identified several key catalysts for the surge in XRP’s forecast prices. The major development mentioned in their report is the SEC, which waived its appeal in the XRP legal battle, which appears to coincide with the impact of Trump’s crypto market after his victory in last year’s election.
Ripple’s broader strategy and market challenges
Ripple’s 2025 price outlook received additional support from Standard Chartered’s forecast that the SEC could possibly approve the XRP ETF in the third quarter of 2025.
Kendrick explained in his report:
XRPL is similar to major use cases such as blockchain-enabled financial transactions, such as Tether: Blockchain-enabled financial transactions, which have been carried out through traditional financial (Tradfi) institutions.
The bank also said that Stubrecoin transactions rose by about 50% last year, increasing 10 times the rate of growth over the next four years, creating a somewhat positive environment for XRP prices during Trump’s term.
Ripple’s price outlook for 2025 is further strengthened by expanding to tokenization such as the Ministry of Finance’s Bill Fund and RLUSD Stablecoin. Standard chartered forecasts, which are likely to cause XRP to travel alongside Bitcoin, are projected to reach around $500,000 by 2028, further supporting the XRP $12.5 forecast.
Trump’s second-phase XRP price forecast takes into account several challenges in the XRPL ecosystem. The bank accepts XRPL’s small developer community and low-price model as specific restrictions, but believes that positive factors will likely outweigh these concerns in the long run.
The impact of Trump’s crypto market seems to be extremely important for standard chartered XRP forecasts. The bank suggests that the Trump administration will create a more favorable regulatory environment, and will benefit XRP, particularly given its recent legal victory over the SEC last year.
The $12.5 standard chartered XRP forecast is currently one of the most optimistic mainstream forecasts for cryptocurrencies. If achieved, this XRP $12.5 forecast could reposition Ripple’s market in Trump’s second term and redefine its role in the broader financial system, as we know it.
