Overview
- Standard Chartered’s Geoffrey Kendrick forecasts XRP at $8 in 2026, with a stretch scenario of about $12.50 by 2028.
- Spot XRP funds have attracted roughly $1.14–$1.25 billion by late December, setting a base for potential institutional flows.
- The bank models $4–$8 billion of ETF inflows in 2026 as the key driver for repricing given XRP’s supply dynamics.
- Regulatory overhang eased after the SEC withdrew its appeal in August 2025 and Ripple agreed to a $125 million settlement affirming that secondary-market sales are not securities.
- U.S. spot products from Franklin Templeton, Canary, 21Shares, Bitwise, and Grayscale broaden access as XRP trades near $1.86–$1.90, about 50% below July highs.