Top Reasons Why XRP Price Could Hit $5.50 This Year – Expert Weighs In

XRP might be gearing up for a big move, and Standard Chartered Bank is doubling down on its bold prediction: a $5.50 price target by the end of 2025. In a new video, crypto expert Zach Humphries, with over 195,000,000 subscribers on YouTube, breaks down why this forecast still stands and what could drive XRP’s next rally.
From institutional money flowing into possible government involvement, a lot is happening behind the scenes that could push the XRP price higher.
If you’ve been following XRP for a while, you know the story has been full of ups, downs, and legal drama. But with things finally shifting in its favor, many are wondering: is now the time for XRP to shine?
Here are some reasons why XRP price could surge soon:
Institutional Interest Is Heating Up
One of the biggest points in the video is how much institutional interest XRP is starting to attract. Standard Chartered’s prediction leans heavily on this. There’s already an XRP ETF that pulled in $17 million in assets in just five days. Compare that to Bitcoin and Ethereum ETFs, which saw outflows during the same period, and XRP stood out.
But here’s where it gets more interesting: around 18 XRP ETFs have been filed, and 10 are reportedly close to getting the green light. Big names like BlackRock and Fidelity are also said to be watching closely. If these funds launch, they could bring serious cash into XRP.
Read Also: Is SEI on the Verge of a 10x Surge? Here’s What the Chart Reveals
Ripple’s Legal Progress and Potential U.S. Government Holdings
Yep, you read that right. Ripple CEO Brad Garlinghouse recently told Fox Business that the U.S. government might end up holding 50 million XRP as part of its settlement with the SEC. That’s not confirmed, but if it happens, it would be a big vote of confidence.
The idea is that the government could be building a digital asset reserve. With someone like Trump rumored to support crypto, this move could spark major FOMO and fuel a big rally in XRP’s price.
Ripple’s Tokenization Plans and Legal Shift
Ripple is pushing hard into tokenization, turning real-world assets into blockchain tokens. It’s something they believe could reshape finance. But for that to really take off, they need clear rules, especially from the SEC.
The good news? The SEC vs. Ripple case might finally be wrapping up. XRP missed out on the last bull run because of this lawsuit. If it ends soon, there’s a real chance we could see a flood of retail and institutional money flowing in.
What Happens If XRP Price Hits $5.50?
If XRP does hit that $5.50 mark, it would be a 200% gain from where it is now. That would also push its market cap to around $319 billion, enough to possibly overtake Ethereum if ETH doesn’t move much.
The host didn’t share exact price details for where XRP stands right now but said the setup looks good. And with all these moving parts; ETFs, tokenization, potential government stockpiles, and a legal battle winding down, there’s a growing case for XRP’s next big run. Whether or not XRP price hits $5.50 this year is still up in the air, but the pieces are starting to line up.
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