Standard Chartered's head of digital assets research, Geoffrey Kendrick, forecasts XRP to reach $12.60 by 2028. However, this projection, which is a 9x gain from its current price of $1.36, depends on catalysts such as the passage of the CLARITY Act and XRP spot ETF inflows scaling past $4 billion, neither of which has materialized. XRP is currently trading at $1.36, down 26% in 2026.