5 Reasons Standard Chartered Believes XRP Could Rise 330% by 2026

Jakarta, Pintu News – Standard Chartered has surprised the crypto market with a bullish projection for Ripple (XRP), which is estimated to have the potential to rise up to 330% by 2026. The stated price target is US$8, well above the current price of US$1.86. This prediction is not mere speculation, but is supported by a number of structural and institutional factors. Here are five key reasons why Standard Chartered is optimistic about the future of XRP.

US$8 Price Target from Standard Chartered’s Official Research

This prediction was made by Geoffrey Kendrick, Head of Global Digital Asset Research at Standard Chartered. He called XRP one of the crypto assets with the most exciting growth potential in the next cycle.

The US$8 price target reflects the bank’s belief in Ripple’s strengthening fundamentals. This equates to an upside potential of around 330% from current price levels.

XRP ETF Launch Attracts Institutional Funds

One of the main catalysts in this projection was the launch of the Ripple (XRP) ETF product in the United States. As of the end of December 2025, the ETF had reportedly attracted investment flows of around US$1.15 billion.

The advent of ETFs makes it easier for institutions to gain XRP exposure without having to face the custody risk of digital assets directly. This significantly lowers the entry barrier for institutional investors.

Also read: XRP 2026 Price Projection: Potential to Break $8, According to Wall Street Analysts

XRP Ledger is Faster and Cheaper than SWIFT

Ripple Ledger (XRPL) is considered to have strong technological advantages over traditional cross-border payment systems such as SWIFT. Transactions on XRPL can be processed in seconds at a much lower cost.

Ripple CEO, Brad Garlinghouse, even predicted that XRPL could potentially handle up to 14% of SWIFT’s payment volume in the next five years. If achieved, the demand for XRP as a bridge currency will increase significantly.

Derivatives Infrastructure Support from CME Group

Institutional adoption of XRP was also strengthened by the launch of spot price-based XRP futures by CME Group in mid-December. This product allows institutions to participate with more efficient margin requirements. The presence of futures on large derivatives exchanges such as CME is often seen as legitimizing the market. This expands access and liquidity of XRP among professional investors.

Also read: Who Rules XRP? Rich List reveals challenges for retail investors

XRPL’s Tokenization Focus and Technology Innovation

Ripple is not only relying on the payments sector, but also aggressively developing the tokenization and decentralized finance (DeFi) ecosystem. Cardano founder Charles Hoskinson thinks Ripple and the Midnight project are moving on a much larger scale than traditional financial tokenization.

Technology updates to XRPL improve network efficiency and open up new use case opportunities. This strengthens XRP’s position in the long-term crypto landscape.

Conclusion

Although there are still bearish views from some analysts who predict that XRP could fall again, Standard Chartered believes that these risks are covered by the strength of fundamentals and institutional adoption. The combination of ETFs, superior technology, derivatives support, and tokenization expansion is the main foundation of this bullish projection. If the scenario goes according to plan, XRP could potentially play a much bigger role in the global financial system by 2026.

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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. Crypto trading activities have high risk and volatility, always do your own research and use cold cash before investing. All activities of buying and selling bitcoin and other crypto asset investments are the responsibility of the reader.

Reference:

• Coingape. Standard Chartered Turns Bullish on XRP, Sees 330% Upside in 2026. Accessed on December 31, 2025
• Featured Image: 99Bitcoins