XRP Price Prediction: Targeting $15 as Bulls Bet on Regulatory Breakouts and Increasing Utility

XRP has been showing signs of renewed momentum in 2025, bolstered by institutional interest, speculative optimism, and a flurry of bullish price predictions.

In the dynamic world of cryptocurrencies, Ripple’s XRP token has been displaying renewed momentum in 2025, driven by a confluence of institutional interest, speculative optimism, and a flurry of bullish price predictions.

As investor attention shifts toward possible regulatory breakthroughs and increasing utility for XRP in cross-border payments, the token could be setting the stage for significant upside.

Broader sentiment is quickly evolving

According to Polymarket, bettors are assigning a 79.9% probability that a spot XRP ETF will be approved by 2025. In addition, they see a 52% chance that XRP will reach a new all-time high before 2026, highlighting the market’s growing optimism.

Chart pattern points to $15 target

Popular crypto analyst Ali Martinez recently highlighted a technical formation that could have explosive implications for the XRP price. In a tweet, he noted:

If the governing pattern behind $XRP is this symmetrical triangle, the target could be $15.

Symmetrical triangles typically indicate periods of price consolidation that often resolve in a significant breakout. A confirmed move past the upper trendline of the pattern could validate this bullish scenario and put XRP firmly on the path to double-digit prices.

Standard Chartered forecasts XRP at $12.50 by 2028

Investment bank Standard Chartered recently launched coverage of Ripple with a bullish outlook, forecasting that the price of XRP could rise to $12.50 by 2028.

Their analysis, titled "Cryptocurrencies: Evolving Landscape, Relative Valuations and Investment Implications," highlights several catalysts for XRP’s appreciation.

Among these are the potential changes in leadership at the U.S. Securities and Exchange Commission (SEC) and the approval of exchange-traded funds (ETFs).

Following Donald Trump’s re-election, XRP surged sixfold, which Standard Chartered attributes to renewed expectations of regulatory clarity in the cryptocurrency sector.

Geoffrey Kendrick, the bank's head of digital asset research, stated that XRP's decentralized public ledger (XRPL) positions it at the core of the rapidly growing remittance and tokenization markets, similar to the role that stablecoins like Tether's USDT hold today.

While Standard Chartered acknowledged challenges such as a smaller developer ecosystem and limited value capture, it emphasized that these are outweighed by strong market tailwinds and institutional adoption.

“Despite these challenges, we believe the strong institutional interest, focused ecosystem, and clear use case in cross-border payments will drive broader adoption of XRP in the years ahead,” Kendrick added.

Institutional momentum is surging

In its Q1 2025 XRP Markets Report, Ripple highlighted the surging interest from institutions. Inflows into XRP-focused investment products reached $37.7 million in Q1, bringing the year-to-date tally to $214 million, only $1 million less than the total for Ethereum ETPs globally.

Several major developments are pushing institutional momentum further:

In a landmark acquisition, Ripple purchased Hidden Road for $1.25 billion, one of the largest crypto mergers and acquisitions deals to date. The prime broker will integrate Ripple’s RLUSD stablecoin and plans to use the XRP Ledger for post-trade operations, encompassing foreign exchange, swaps, and repo markets. This integration could significantly streamline institutional workflows and drive broader utility for XRP.

Despite a slight decrease in its cryptocurrency holdings during Q1, to $3.96 billion, and a modest increase in its XRP stake to 4.56 billion tokens, Ripple’s overall investment portfolio remains substantial.