XRP to Overtake Ethereum by 2028? Banking Titan Forecasts $179B Market Cap Boom
Ripple's XRP is gunning for Ethereum's throne—and Wall Street's biggest players are placing their bets. A major banking institution just dropped a bombshell prediction: XRP could flip ETH within three years, fueled by a staggering $179 billion market cap surge.
Here's why the smart money's watching:
The institutional adoption tsunami. While Ethereum struggles with gas fees and scaling debates, XRP's quietly becoming the darling of cross-border payments. Banks love predictable costs—even if crypto purists hate the centralization.
The regulatory edge. SEC battles aside, Ripple's deeper compliance focus gives it a potential runway that ETH's decentralized ecosystem can't match. Sometimes boring wins.
The $179B question. That projected market cap jump would require XRP to grow faster than DeFi summer—but with CBDCs and real-world asset tokenization heating up, the fiat-to-crypto bridges might matter more than NFT apes.
Of course, Ethereum won't go down without a fight. The Merge 2.0 upgrades could rewrite this script overnight. But for now? The banking giants are voting with their spreadsheets—and they've never let something like 'decentralization ideals' get in the way of a good balance sheet.
Ripple’s XRP is expected to soar to never-before-seen levels, according to a market prediction made by a prominent finance figure.
The fourth-largest cryptocurrency by market cap could dethrone Ether in market valuation, the expert stated. Notably, Ether currently holds the third position, but the market expert has expressed conviction that XRP could claim this position over the next three years.
Geoffrey Kendrick, the Global Head of Digital Assets Research at Standard Chartered, is behind the bullish forecast. He expects his prediction to come to fruition in 2028 and has outlined a handful of fundamental factors as catalysts for the asset’s long-term growth.
At press time, Ether’s market cap sits at a value of $305.9 billion, while XRP’s market cap totals at $127 billion. XRP must add more than $178.9 billion to its current market value to successfully overthrow Ether. However, the cryptocurrency market is constantly growing, and as such, XRP bulls will have to work harder as Ether’s valuation soars annually.
Although Kendrick’s prediction is bold and might seem unattainable, he points to Ripple’s current trajectory, highlighting its legal victories against the SEC as a notable development in the Ripple and XRP ecosystem.
The expert asserts that institutional adoption is on the rise—an observation that coincides with the recent launch of a highly anticipated XRP ETF. It is also worth noting that XRP has also attained a 360% surge in market value over the last year.
Additionally, Kendrick cited the notations of Brad Garlinghouse, the CEO of Ripple, who remarked that XRP will constitute 14% of SWIFT’s cross-border payment industry within the next five years—a declaration that further validates XRP’s appeal to larger institutions within and outside the crypto space.
At the time of this report, XRP is trading at $2.15. Market selloffs appear to have kept altcoins stagnant this week, and XRP is amongst many nursing losses, particularly 3.40% at press time.
