XRP News: Experts Predict 500% Surge – Is $12.50 a Realistic XRP Price Target?

XRP is back in the headlines with bold predictions. Standard Chartered is projecting a 500% surge by 2028 to a price of $12.50. This bullish forecast places XRP on a path to potentially flip Ethereum’s market cap, becoming the second-largest crypto after BTC. The optimism is fueled by regulatory clarity, its use in cross-border payments and the potential approval of a spot XRP ETF. While risks like macroeconomic shifts and stablecoin competition remain, the buzz around XRP’s comeback continues to build momentum in the crypto space.

Standard Chartered’s Big XRP Prediction: $12.50 by 2028?

XRP price momentum is heating up in 2025, with a blockbuster forecast from Standard Chartered. According to the bank’s head of digital assets, XRP could jump from $2 today to $12.50 by 2028, a potential 500% rally. They even suggest XRP could surpass Ethereum’s market cap in the long run.

Three main factors are driving this outlook: First, regulatory clarity after the SEC dropped its case against Ripple. Second, XRP’s growing role in fast, low-cost global payments, already backed by RippleNet partnerships in Asia and Latin America. And third, the possibility of a spot XRP ETF by late 2025, which could unlock up to $8 billion in institutional inflows.

Standard Chartered isn’t alone, CoinPedia forecasts XRP hitting $5.81 by 2025, while Changelly sees $7.10 by 2028. Meanwhile, Egrag Crypto’s technical charts predict a rocket to $17.00. But it’s not all smooth sailing. Global trade tensions, possible regulatory changes, and growing stablecoin competition could derail this rally. Still, XRP’s resilience through years of legal battles and its expanding utility keep investor sentiment high.

XRP Price Actions Today

Following this XRP news, the trading day of April 11th started with a bullish MACD golden cross, pushing the XRP price toward the previous support of $1.9709. The momentum remained steady, and by 17:35 UTC, the RSI flashed an overbought signal. This led to a short spike in price, but the rally lost steam when the MACD flipped bearish with a death cross at 18:40 UTC. The trend shifted downward, dragging XRP to April 12th with declining volume. However, a reversal soon followed. The price found fresh support at $2.0034. At 3:15 UTC, a new golden cross appeared on the MACD, triggering another upward trend. 

Chart 1, analyzed by ShwetaCW, published on TradingView, April 12, 2025

As illustrated in Chart 1, overbought signals returned on the RSI at 6:20 UTC and again at 8:00 UTC, showing strong buying pressure. Currently, it’s stuck between resistance at $2.0860 and support at $2.0034. A break above resistance could send it toward $2.1200 or higher fueled by bullish momentum and retail interest. However, failure to hold support could see the price drop toward $1.9200. According to XRP price prediction, if the bullish momentum holds, XRP may continue targeting new highs. 

XRP Price Outlook

XRP Price is riding a wave of bullish momentum thanks to fresh optimism around the XRP ETF and institutional adoption. While long-term predictions point to $12.50 by 2028, short-term price action suggests a retest of the $2.08 resistance. If bulls maintain control, XRP could push toward $2.12 this weekend. However, failure to hold $2.00 could see a dip to $1.92. As always, XRP News and ETF developments remain key drivers to watch.