For years, XRP has been the underdog of the crypto elite: bruised by lawsuits, doubted by skeptics, and written off by Ethereum-maxis. But if Standard Chartered’s latest prediction holds water, that narrative could flip—literally.
The banking giant just dropped a bombshell: XRP could rally 500% and overtake Ethereum in market cap. It’s a claim that has ignited both excitement and controversy across the cryptosphere, challenging everything we thought we knew about the pecking order of digital assets.
Is it pure hype, or the beginning of XRP’s redemption arc? As Ethereum continues to dominate DeFi and smart contracts, XRP’s comeback hinges on speed, utility, and global adoption. In this deep dive, we’ll unpack the bold prediction, the catalysts behind it, and whether XRP really has what it takes to flip the king of Layer 1s.
XRP takes aim at Ethereum as Standard Chartered calls a 500% rally
Standard Chartered is not known for crypto hype, but this time, they have lit a fire under XRP. In a landmark report, Geoffrey Kendrick, the bank’s global head of digital assets research, projected XRP could surge 500 percent, hitting $12.50 by 2028. More shocking? He predicts XRP will overtake Ethereum in market cap, becoming the second-largest non-stablecoin asset in the world.
XRP’s market cap is over $110 billion per CoinGecko, positioning it as the fourth-largest crypto asset
The driver? Utility. Kendrick sees XRP’s blockchain, XRPL, as a payments chain and the future hub for asset tokenization, rivaling Stellar. As the lines blur between traditional finance and digital assets, XRP’s real-world use cases are starting to shine.
It is not just speculation. Standard Chartered expects a spot XRP ETF to drop as early as Q3 2025, potentially pulling in $4 to 8 billion in its first year. That kind of liquidity injection could be the rocket fuel XRP needs.
Source: Theblock.co
At the same time, Ripple is weaving XRP into Wall Street’s fabric. Its $1.25 billion acquisition of Hidden Road, a prime brokerage heavyweight, is opening doors to cross-asset settlement. Futures markets are heating up too, with 2x leveraged XRP ETFs launching and nano futures filings in motion.
Even legal headwinds are calming. The SEC and Ripple just moved to finalize a $50 million settlement, ending a years-long court battle. Kendrick even hinted this shift is politically timed, aligning with a possible Trump re-election.
For a coin once left for dead, XRP suddenly looks unstoppable. And if Standard Chartered is right, it might just flip the script and Ethereum with it.
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