Standard affections that XRP could reach $ 12.50 by the end of 2028, which represents a potential increase of 500% compared to its current price.
Standard affections that XRP could reach $ 12.50 by the end of 2028, which represents a potential increase of 500% compared to its current price. This projection is based on several factors, including regulatory clarity, wider adoption and the growing use of payments and tokenization. Geoffrey Kendrick, the world’s global digital asset manager, described a roadmap for XRP growth, with $ 5.50 milestones in 2025, $ 8.00 in 2026 and $ 10.40 in 2027. By 2029, he expects that XRP maintains its $ 12.50.
A major catalyst for this growth is the expected approval of an ETF XRP to the point in the United States by the third quarter of 2025. Kendrick estimates that this could lead to $ 4 billion in the first year. These projections reflect similar expectations made by JPMorgan. The basic XRP use case – cross -border and cross -border and cross -border and transversal payments – should also play a key role in its growth in value, especially because stablecoin transaction volumes should increase over the next four years.
The XRP blockchain, the Ledger XRP (XRPL), is designed mainly for payments, and Kendrick thinks that it could also become a key player in tokenization, comparing it to a stellar in terms of structure and function. The recent initiatives of Ripple, in particular the development of a fund supported by the American Treasury and the launch of its stablecoin Rlusd, support this perspective.
The recent conclusion of Ripple’s legal battle against Securities and Exchange Commission of the United States (SEC) has also authorized a major obstacle. The SEC abandoned its appeal and Ripple agreed with a regulation of $ 50 million without admitting a reprehensible act. Kendrick noted that this result had been planned, in particular in light of the recent change in American political leadership.
Despite these developments, the XRP market response remained silent. After the news related to ETFs, the price of XRP dropped by around 4%. The ETF in question does not directly contain XRP but uses swap agreements to follow its price, which may explain the immediate lack of excitement of investors.
Challenges remain for XRP. Kendrick stressed that its weak structure and its smaller developer ecosystem could limit its value capture compared to other assets. However, he believes that a broader adoption and institutional impulse could compensate for these concerns.
Currently, XRP is the fourth largest cryptocurrency by market capitalization. Kendrick plans that by 2028, he will exceed Ethereum and will become the second largest non -stable digital active. He also predicted that Bitcoin could reach $ 500,000 by 2029, XRP reaching higher relative performance.
In related forecasts, Kendrick lowered the target of Ethereum in 2025 from $ 10,000 to $ 4,000 while providing that Avalanche (AVAX) will reach $ 250 by 2029.
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