According to Standard Chartered, XRP is entering a phase where long-term valuation expectations are beginning to split, with institutional forecasts pointing to a staggered repricing path toward higher targets. The bank's analysis outlines a staged roadmap where $4 emerges as the first major threshold before any sustained attempt toward $10 becomes realistic. This structured approach emphasizes that $4 comes in the early stage before any realistic move toward $10, with the key requirement being sustained ETF participation that builds liquidity through each stage of repricing. Standard Chartered notes that historically, XRP has not sustained major independent rallies without support from broader market conditions and liquidity cycles, with regulatory clarity and Bitcoin's performance continuing to shape the backdrop. The bank's 2028 target of $12.50 is built on the assumption that Ripple's payment networks keep growing and that spot XRP ETF demand holds up from market buyers.
XRP ETF products recorded $60.50 million in weekly inflows, marking their strongest week since late December 2025, according to SOSoValue data. May inflows reached nearly $95 million, already above April's total, with U.S. spot XRP ETFs posting $25.8 million in daily net inflows on May 11, the strongest single-day total since January 5. The latest ETF streak follows a strong April where XRP ETF products pulled in $81.63 million, making it their best inflow month of 2026 and reversing March's $31.16 million monthly outflow. XRP network activity hit two-month highs with active addresses reaching 48,453, the highest level since March 30, and 3,317 new network addresses, the highest reading since March 19. As reported by Crypto.news, XRP is trading around $1.42 with a market cap near $87 billion, placing it behind BNB among major crypto assets.
As reported by Standard Chartered, XRP is still trading roughly 60% below its cycle high near $3.65, while ETF products have recorded about $1.39 billion in cumulative net inflows, showing steady but gradual institutional participation. The market is now positioned around $1.30-$1.40 range, with attempts to push higher repeatedly losing momentum around $1.45-$1.50. Price action remains balanced and directionally neutral, with demand continuing to emerge near $1.38 on dips. The $2.00-$2.80 area could act as an early slowdown zone, matching Standard Chartered's 2026 target of $2.80 before any attempt to build toward the higher $3-$4 region. Institutional flow data across XRP-linked products continues to point to steady participation, with XRP ETF products having some of their best inflow months since launch in November 2025, as traders move in ahead of anticipated approvals and wider access through traditional finance platforms.
A $5,000 investment in XRP at current prices of $1.41 would buy approximately 3,546 XRP tokens, which could be worth $44,300 at Standard Chartered's $12.50 target for 2028, representing an 8.9x return. Meanwhile, Ethereum is trading near $2,178, with long-term price estimates stretching from $25,000 to $40,000 before 2030. The more measured 2028 forecast could see Ethereum hit $25,000, where the same $5,000 investment would turn $57,400, representing an 11.5x return. This creates a $13,100 gap in favor of Ethereum, though Standard Chartered notes that XRP could still surprise with an altcoin cycle or major payment partnerships pushing the price past the $12.50 forecast by 2028.
According to ChatGPT, XRP is currently trading at $1.3825 on the daily chart, with a defined bull case sequence of four levels. The support level sits at $1.20, resistance at $1.60, and targets at $2.40, $3.10, and $3.64. The AI emphasizes that each gate must close before the next opens, and the immediate challenge is that price has pulled back from the recent $1.50 push and is now closer to support than resistance. The $1.20 support zone marked in red is not far below current price, making the next few daily closes critical for the bull case to materialize. ChatGPT notes that about 60% of XRP's circulating supply, roughly 37 billion tokens, was last bought near $1.45, creating significant resistance at this level. Recent analysis shows XRP recorded its first green month of the year in April, with the token posting a modest 2% gain after six consecutive months of losses.
