XRP Prediction: Potential to Rise Up to 73% in the Next 5 Years, According to Analysts

Updated

November 15, 2025

Gambar XRP Prediction: Potential to Rise Up to 73% in the Next 5 Years, According to Analysts

Jakarta, Pintu News – In the dynamic world of cryptocurrency, XRP (Ripple) is showing significant growth potential. Standard Chartered analyst Geoffrey Kendrick predicts that the price of XRP could increase by up to 73% per year in the next three years.

With various contributing factors, including the possible approval of a spot XRP ETF by the SEC, XRP is expected to achieve tremendous market value in the coming years.

XRP Price Prediction Analysis

target level xrp — Source: Standard Chartered Research

Geoffrey Kendrick, a leading analyst, has set a price target for XRP to reach $12.50 by 2028, which translates to an annualized increase of 73%. This prediction is supported by the potential adoption of XRP in the global payment system, which is currently dominated by the SWIFT system.

Ripple CEO, Brad Garlinghouse, envisions XRP taking over 14% of the payment volume currently handled by the SWIFT system in the next five years. This means that XRP could facilitate more than $20 trillion worth of transactions annually, a figure that shows enormous growth potential.

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XRP’s role in cross-border transactions

Ripple uses XRP and RLUSD to facilitate cross-border transactions at a lower cost and faster time than traditional systems. The use of XRP as a bridge currency reduces costs and speeds up the transaction settlement process, which is a significant plus for payment service providers and businesses.

With XRP Ledger’s blockchain technology, Ripple offers a solution that is not only efficient but also secure for international fund transfers. This makes XRP an attractive option for many companies and financial institutions looking for an alternative to the expensive and slow SWIFT system.

Possible Approval of XRP ETF by SEC

The SEC is expected to approve several spot XRP ETFs before the end of 2025. This approval would provide direct exposure to XRP without the need to go through traditional exchanges, which could attract retail and institutional investors.

The spot XRP ETF approval is expected to have a similar impact to what happened after Bitcoin got ETF approval. This could lead to significant price appreciation, similar to what happened to Bitcoin after its ETF was approved.

Conclusion

Although XRP shows very promising prospects, investors are advised to consider their risk tolerance before investing. Cryptocurrencies remain highly volatile assets, and it is important to conduct in-depth research before making an investment decision.

FAQ

What is XRP and how does it function in the global payment system?

XRP is a cryptocurrency used by Ripple to facilitate fast and cheap transactions across countries. XRP serves as a bridge currency in international payments, reducing transaction costs and time compared to traditional systems like SWIFT.

Who is Geoffrey Kendrick and what is his prediction on the price of XRP?

Geoffrey Kendrick is an analyst at Standard Chartered who predicts that the price of XRP (Ripple) could increase by 73% per year until 2028, with a target price of $12.50.

When is the SEC expected to approve the spot XRP ETF?

The SEC is expected to approve several spot XRP ETFs before the end of 2025, which will provide direct exposure to XRP without going through traditional exchanges.

What impact will the approval of the XRP ETF have on the price of XRP?

The approval of the spot XRP ETF by the SEC is expected to attract significant investor interest, both retail and institutional, which could lead to significant price appreciation, similar to what happened to Bitcoin after its ETF approval.

What is the advice for investors interested in XRP?

Investors are advised to consider their risk tolerance and conduct in-depth research before investing in XRP, given the high volatility associated with cryptocurrencies.

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*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Trading crypto carries high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying and selling bitcoin and other crypto asset investments are the responsibility of the reader.

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