Crypto analyst Xaif Crypto outlined a bullish projection for XRP attributed to Standard Chartered analyst Geoffrey Kendrick. According to the post, Kendrick expects XRP to reach a price of $12.50 by 2028, positioning the asset for substantial long-term appreciation. The projection is presented as an institutional outlook rather than informal market commentary, highlighting how some traditional financial analysts are assessing XRP’s future valuation. Xaif Crypto described the call as notable due to its association with a major global bank and its multi-year time horizon. The post suggests that the price target reflects expectations tied to market access, capital inflows, and evolving investor participation rather than short-term price volatility. BREAKING WALL STREET WHALE CALLS $XRP TO $12.50 Standard Chartered analyst Geoffrey Kendrick, $XRP is projected to reach $12.50 by 2028 Why XRP specifically? • Spot XRP ETFs gaining approval • 6 live ETF funds expected • $4 to $8 BILLION inflows in the first… pic.twitter.com/R0whZjzPk3 — Xaif Crypto | (@Xaif_Crypto) January 17, 2026 ETF Approvals and Expected Capital Inflows Central to Kendrick’s projection is the expectation that spot XRP exchange-traded funds will receive regulatory approval. The post states that as many as six XRP ETF products are expected to become active, providing new channels for institutional and retail exposure. Alongside these approvals, Kendrick reportedly estimates that XRP-related ETFs could attract between $4 billion and $8 billion in inflows during their first year of operation. These inflows are presented as a supporting factor for higher long-term valuations , based on the assumption that ETFs increase accessibility and legitimacy within traditional markets. Xaif Crypto emphasized that the projection extends several years into the future, implying that the anticipated impact of ETFs is expected to build over time rather than produce immediate price effects. Market Capitalization Outlook and Ethereum Comparison The post also highlighted Kendrick’s view that XRP could challenge, and potentially surpass, Ethereum’s market capitalization during the 2026 crypto bull market. This aspect of the outlook positions XRP as a candidate for a higher ranking among major digital assets, contingent on sustained market interest and institutional participation. Not all responses to the post were supportive. An X user known as Quantum_XRP cautioned that ETF approvals and inflow figures should not be treated as a direct price formula. The comment explained that ETF capital often moves through authorized participants, creation and redemption processes, hedging activity, and secondary markets. As a result, a significant portion of inflows may be internally offset and may not translate into consistent spot market buying pressure. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Quantum_XRP also challenged the market capitalization comparison, stating that overtaking Ethereum would require persistent demand, increased settlement volume, and expanded liquidity usage. The comment argued that without a clear mechanism linking usage, capital flows, and supply absorption, such projections resemble promotional narratives rather than detailed market analysis of activity on the XRPL. In contrast, another X user, XRP HERALD, agreed with the projection, stating that the $12.50 target reflects a combination of ETF adoption , liquidity conditions, and timing. The comment suggested that if XRP begins to capture market share relative to Ethereum during the next cycle, the signals outlined in Kendrick’s outlook may appear clearer in hindsight. The exchange reflects differing interpretations of how institutional forecasts, ETF structures, and market dynamics could influence XRP’s long-term price trajectory. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post Wall Street Whale Sets Timeline for XRP to Hit $12.50 appeared first on Times Tabloid .
