Standard Chartered Predicts XRP Price Targets of $8, $10.4, and $12.5 for 2026–2028

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.

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.

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.