What Will XRP Be Worth by 2028?

Standard Chartered sees XRP at $12.60 by 2028, but two conditions must be met first and neither has happened yet. Whether XRP even reclaims its 2026 opening price depends on a supply dynamic most investors are ignoring.

XRP (CRYPTO:XRP)  trades at $1.35 as of September 13, 2026, down 26.6% since the start of the year. Standard Chartered says the XRP price could reach $12.60 by 2028, but XRP has never traded above $3.84.

Getting back to $1.84, where it opened the year, takes around 36% gain. Meanwhile, hitting Standard Chartered’s forecast would see XRP surge by 833%, and the bank attaches two conditions to it, neither of which has been met. So what will XRP actually be worth by 2028?

Can XRP Target $1.84, $3.65 or $3.84 Before 2028?

XRP opened 2026 at $1.84, and getting back there takes 36% from the current price. The 2025 cycle high of $3.65, set on July 18, takes 170%, or 2.7 times. The all-time high of $3.84, set in January 2018, takes 184%, or 2.8 times.

XRP trades 36.7% above its cycle low of $0.9877, set on August 17. The realized price, meaning the average price paid across every coin in circulation, is about $1.48, so XRP changes hands 8.8% below what the average holder paid. Roughly 60% of supply is held at a loss, and those holders tend to sell when they reach breakeven, which caps rallies before they extend.