Prediction: XRP Will Hit $5.50 By The End of 2025

XRP has several tailwinds that could buoy the price to a fresh all-time high in 2025, if this analyst is correct.

The price of XRP could hit $5.50 by the end of 2025 if the cryptocurrency continues to enjoy several tailwinds that could buoy the token to a fresh all-time high, according to one analyst.

At a live market cap of roughly $141 billion, XRP is changing hands around $2.40 per coin. That leaves it well below the 2018 high of $3.84, even after a blistering rally of roughly 580% that carried the token from sub-$1 lows last November to as high as $3.40 in January.

As the second quarter of 2025 now gets underway, it’s worth asking where XRP could finish the year—and the standout view comes not from the decentralized community but from Wall Street. Geoffrey Kendrick, Standard Chartered’s head of digital-asset research, projects XRP at $5.50 by 31 December 2025.

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There’s no shortage of price predictions for the fourth-largest cryptocurrency in the world. Most forecasts remain firmly bullish, and the token now enjoys several fundamental and macro trends. The broader market has certainly been volatile in 2025, yet an underlying uptrend persists—helped along by bitcoin’s move back above the six-figure mark, recently topping $104,000 and stoking a fresh wave of FOMO among investors.

What Is the Plausible Case for $5.50?

The five-year SEC lawsuit that clouded XRP’s outlook is nearing resolution. Earlier this month the agency and Ripple asked Judge Analisa Torres to approve a reduced $50 million settlement; the judge rejected the filing on procedural grounds on 16 May, but signaled she would entertain a properly structured motion. Both parties remain “fully in agreement to resolve this case,” according to Ripple’s CLO Stu Alderoty.

If we do the napkin math, $5.50 on 58.6 billion of circulating supply gives a market cap of $326 billion which is about 45% of Ethereum’s value, which is not unlikely in a bull cycle. Plus, XRP exploded 55 times in 2017 and 8 times at the end of 2024 to early this year. Could we see another 2.3x increase from there, seems plausible. But there are risks with stable coin competition, a protracted appeals process or adverse ruling that chases away enthusiasm for XRP. There are also macro shocks that are more and more common.

Standard Chartered’s $5.50 year-end target doesn’t require a moon-shot—just continued legal progress, steady institutional adoption and a cooperative macro backdrop. With ISO 20022 deadlines forcing banks to modernise, RLUSD adding fresh liquidity, and on-chain activity breaking records, XRP has a shot at eclipsing its 2018 peak. Expect volatility, but don’t underestimate this token’s knack for punching through psychological ceilings when catalysts align.