Standard Chartered Analyst Predicts XRP to Reach $12.50 by 2028 Amid ETF Surge

Written by Ohris M. Greyoon, Blockchain & Crypto Expert

Source: Coinmarketcap

Updated: Jan 18 2026

Should l Buy XRP?

Surging Market Demand: Standard Chartered analyst Geoffrey Kendrick forecasts that XRP could reach $12.50 by 2028, a projection grounded in accelerating regulatory clarity and growing institutional adoption, indicating a significant market inflection point for XRP.
ETF Product Potential: With up to six XRP ETF products expected to launch, projections suggest inflows of $4 to $8 billion in the first year, providing robust capital support for XRP, which has long been hindered by legal uncertainties.
Infrastructure Asset Positioning: As regulatory conditions improve, XRP's unmatched speed and low fees position it as an ideal choice for cross-border settlements, enhancing its status as a core infrastructure asset within the global payments ecosystem.
Challenge to Market Leadership: Kendrick notes that XRP could challenge Ethereum's market capitalization in the 2026 bull cycle, reflecting shifts in institutional capital dynamics and indicating that XRP's market structure offers greater expansion potential as institutional demand accelerates.

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Technical Analysis for XRP

Technical Sentiment Analysis for XRP (XRP) As of , XRP (XRP) is exhibiting a Sell technical sentiment. Our proprietary analysis, which aggregates 3 technical signals, shows that 0 indicators are flashing buy, while 3 are indicating sell.

Momentum Indicators: RSI, MACD & Overbought/Oversold Status Currently, the Relative Strength Index (RSI) for XRP stands at -, which suggests a Neutral condition. Meanwhile, the MACD (12, 26) indicator is at -, providing a Neutral signal for short-term momentum. Other oscillators like the Stochastic Oscillator at - and the Commodity Channel Index (CCI) at - further confirm a - outlook for the stock.

Support, Resistance & Moving Averages From a structural perspective, XRP is trading below its 60-day moving average of $- and below its 200-day long-term moving average of $-. Key price levels to watch include the immediate resistance at $- and strong support at $-. A break above $- could signal a bull continuation, while falling below $- may test the next Fibonacci floor at $-.

XRP (XRP) Support & Resistance Level

Name	S3	S2	S1	Pivot Points	R1	R2	R3
Classic	0.619	0.868	1.159	1.408	1.699	1.948	2.238
Fibonacci	0.868	1.074	1.202	1.408	1.614	1.742	1.948

About XRP

Launched in 2012, the XRP Ledger (XRPL) is an open-source, permissionless and decentralized technology. Benefits of the XRP Ledger include its low-cost ($0.0002 to transact), speed (settling transactions in 3-5 seconds), scalability (1,500 transactions per second) and inherently green attributes (carbon-neutral and energy-efficient). The XRP Ledger also features the first decentralized exchange (DEX) and custom tokenization capabilities built into the protocol. Since 2012, the XRP Ledger has been operating reliably, having closed 70 million ledgers.

About the author

Ohris M. Greyoon

Ohris M. Greyoon holds a Master’s in Computer Science from MIT and has 10 years of experience in blockchain technology and cryptocurrency markets. A pioneer in decentralized finance (DeFi) analysis, he leads Intellectia’s Crypto News, offering cutting-edge insights into digital assets.

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