XRP Price Outlook and On-Chain Analysis: Standard Chartered Predicts 500% Surge in Three Years

Market Position and Price Prediction of XRP

XRP shone brightly during the bull market of 2017, followed by a deep correction in the bear market, becoming an amplifier of market sentiment. Standard Chartered’s latest report points out that with the improvement of the regulatory environment and continued institutional adoption, XRP is expected to big pump over 500% in the next three years, with a price potentially reaching 12.5 dollars. The report specifically mentions that if the SEC terminates the lawsuit against Ripple and approves the XRP spot ETF in the third quarter of 2025, it will attract a large influx of funds, pushing its market cap to become the second largest cryptocurrency, only behind Bitcoin.

The core applications and ecosystem development of XRP

XRP mainly focuses on cross-border payment and remittance solutions, complementing the rapid development trend of stablecoins. Ripple actively promotes asset tokenization and has launched the US dollar stablecoin RLUSD, planning to upgrade the XRP Ledger from a payment chain to a multi-tokenization platform. Although there is still room for improvement in the developer ecosystem, with regulatory easing and institutional expansion, the value capture ability of XRP is expected to gradually strengthen.

On-chain data reveals changes in the holding structure.

According to data from Messari and Santiment, since the end of 2024, the number of medium-sized holders holding more than 100,000 XRP has significantly decreased, reflecting the exit of some large holders from the market. Conversely, the number of small holding wallets has slightly increased, indicating that retail investors are still positioning themselves at lower levels. However, this structure of large holders reducing their positions while retail investors buy can easily lead to a lack of dominant force in the price, resulting in sideways fluctuations. On the other hand, the XRP holdings in exchanges are gradually decreasing, which may indicate that users are transferring assets to cold wallets or have concerns about trading liquidity, posing challenges to short-term price stability.

Technical analysis of key support levels

From a technical analysis perspective, $1.9 and $1.63 are important recent support zones for XRP. $1.9 has repeatedly served as a point where the price stopped falling; if it fails to hold, $1.63 will become the next line of defense. These two price levels not only reflect market psychological expectations but also guide investors’ operational strategies at different price stages.

Summary

XRP, as a highly volatile cryptocurrency asset, is influenced by multiple factors including regulations, institutional adoption, on-chain holding structure, and market sentiment. Standard Chartered’s optimistic forecast provides a positive outlook for XRP’s future, but the current market structure still has uncertainties. Investors should comprehensively consider both technical and fundamental aspects and closely monitor macroeconomic and regulatory dynamics to make more informed investment decisions.