Standard Chartered's XRP Price Prediction - Looks Ambitious, Breaking $5?

XRP’s price trajectory is taking center stage once again, following a bold new forecast from global financial institution Standard Chartered, which projects the Ripple token could hit $12.50 by 2028 — a more than 500% increase from current levels.

With renewed market optimism, a potential XRP ETF on the horizon, and the final chapter of the SEC lawsuit nearing, Ripple’s fundamentals are aligning with strong institutional confidence. However, the road ahead may not be without competition. A new PayFi challenger, Remittix (RTX), is making noise with real-world utility that could reshape the cross-border payments industry.

XRP Price Reclaims $2.10 Amid Bullish Momentum

XRP recently crossed back above the $2.10 mark, recording a 20% gain over the past seven days, signaling the token’s strongest performance in months. This price rebound is occurring alongside broader bullish sentiment across the crypto market and growing institutional interest.

Ripple has broken through key technical indicators, including reclaiming the mid-line of its Bollinger Bands, often seen as a short-term bullish sign. These signals are aligning with major predictions that XRP is poised for a significant long-term breakout.

Read Also: XRP's April Surge: Ripple's Legal Victory and Optimism for the Future

Standard Chartered’s XRP Forecast: $5.50 by 2025, $12.50 by 2028

According to Standard Chartered’s Digital Asset Research division, XRP is expected to:

• Reach $5.50 by end-2025

• Climb to $8.00 in 2026

• Hit $10.40 in 2027

• Top out at $12.50 by 2028

The bank also suggests XRP could overtake Ethereum in market capitalization by 2028, positioning it as the second-largest digital asset behind Bitcoin.

This prediction, backed by analysts like Geoffrey Kendrick, is rooted in Ripple’s potential to lead in tokenized settlements, institutional adoption, and upcoming ETF exposure — all critical catalysts for future growth.

Read Also: XRP-SEC Lawsuit Set to End Before April 16 - Key Momentum for Ripple

Remittix ($RTX): A Rising Competitor in the PayFi Space

As XRP continues to rally, another player is entering the arena — Remittix, a next-gen PayFi protocol offering instant crypto-to-fiat conversion with no intermediaries.

Remittix enables users to send crypto directly from hot wallets to fiat bank accounts worldwide, using only account credentials and gas fees. This use case speaks directly to the needs of traders, freelancers, and SMEs seeking fast, borderless, and transparent payment rails.

Key highlights from the ongoing RTX presale:

• $14.5M raised in under three months

• Tokens currently priced at $0.0757

• Analysts forecast up to 1000x growth post-launch

With over 528 million RTX sold, Remittix is gaining serious traction in the same sector Ripple helped pioneer.

Read Also: XRP CEO Brad Garlinghouse Comments on Ripple’s Acquisition of Hidden Road

Ripple vs. Remittix: Competitive or Complementary?

While Ripple’s strength lies in institutional partnerships and regulatory clarity, Remittix focuses on grassroots adoption, giving individual users fast, easy fiat access from their crypto holdings.

The two may not be direct adversaries but rather complementary solutions in a rapidly evolving PayFi ecosystem. One serves enterprises, the other empowers individuals — both targeting the inefficiencies of traditional finance.

Read Also: XRP Price Prediction for April 16 - Potential Breakout Tomorrow?

Conclusion

XRP is gaining institutional backing, and now Remittix is making a strong case for retail-driven dominance. As forecasts from Standard Chartered and analysts heat up, XRP could very well hit $5.50 by 2025 — and potentially achieve the $12.50 milestone by 2028 if adoption trends hold.

Yet, the crypto market thrives on utility and disruption — and Remittix is offering both. If it delivers on its vision, RTX could be the breakout PayFi project of the cycle.

For Bitrue users, these developments present early opportunities for strategic positioning — whether it’s doubling down on XRP’s upside potential or getting in early on Remittix’s emerging growth story.

FAQ

Q: What is Standard Chartered’s XRP price prediction for 2028?
A: Standard Chartered predicts XRP could reach $12.50 by 2028, a 500%+ increase from current levels, driven by ETF potential, institutional use cases, and Ripple’s expanding payment infrastructure.

Q: Why is XRP gaining momentum in 2025 and beyond?
A: XRP is benefiting from legal clarity following the SEC lawsuit, upcoming ETF expectations, and increasing institutional adoption. Technical indicators also show bullish potential.

Q: What is Remittix (RTX) and how does it compare to Ripple?
A: Remittix is a new PayFi protocol that allows users to directly convert crypto into fiat bank accounts without intermediaries. While Ripple targets enterprise payments, Remittix focuses on retail users and real-world accessibility.

Q: How much has Remittix raised in its presale?
A: Remittix has raised approximately $14.5 million during its presale, with over 528 million RTX tokens sold. The project is currently priced at $0.0757 per token.

Q: Could XRP overtake Ethereum in market cap?
A: According to Standard Chartered, XRP could surpass Ethereum’s market cap by 2028, becoming the second-largest non-stablecoin digital asset globally.

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