XRP Price Prediction for 2028: Will the Coin Soar to New Highs?

XRP, the digital currency associated with Ripple Labs Inc., is considered one of the coins with big price prospects in this current Donald Trump administration.

XRP, the digital currency developed by Ripple Labs Inc., is among the coins with huge price prospects in this current Donald Trump administration.

The third-largest asset by market capitalization is currently changing hands for $2.371, down marginally by 0.61% in 24 hours. Although the crypto price has a mild bearish outlook, there is reason to stay optimistic about long-term growth.

Since President Trump’s election victory, which was largely powered by the Republican vote, there has been a buzz around crypto.

The prospect of a new crypto initiative in the US has presented a major tailwind for the coin, which could be a major beneficiary of less regulatory oversight as it helps the Ripple ecosystem to thrive.

Liberation of XRP over the past month is considered a start. However, with this administration’s pro-crypto tilt, analysts are divided on how high the coin could before President Trump is at the end of his current tenure in 2028.

In an earlier XRP price prediction, analysts issued a target of $150 for the coin. While this forecast is not conservative, the prospect of XRP’s inclusion in strategic crypto reserve in the US offers more optimistic projections.

As reported earlier by CoinGape, market analyst Crypto Pal believes XRP could jump to a $10,000 to $35,000 range if added to the reserve.

Beyond the growing speculation of XRP’s inclusion in the reserve, a major challenge lies ahead. Most Bitcoin proponents believe altcoins in the stockpile might produce the opposite effect. But if the coin bypasses this hurdle, the price has a huge prospect for a breakout.

XRP Utility Amid SWIFT and US Bank Integration

The Ripple Labs ecosystem is advancing rapidly, fueling the integration of some of its associated products in mainstream finance.

As a blockchain payments firm, Ripple Labs is always on the lookout for top players to partner with. This has sparked speculations around a potential partnership with SWIFT.

If this happens, the upside for the XRP price is enormous, with analysts suggesting a likely rally to $1,000. The coin and other Ripple products may come without much hindrance for SWIFT to integrate.

The recent resolution of the Ripple and SEC lawsuit has cleared the path for the firm to expand its business in the United States.

Over the past few years, digital currency has been key in powering some global banks’ cross-border settlement systems. According to SBI CEO Yoshitaka Kitao, XRP is already on track to streamline Japanese banks’ remittance services.

The current regulatory outlook is expected to pave the way for US Banks to adopt XRP in the long term.

Recall that the Office of the Comptroller of the Currency (OCC) has granted permission to banks to engage in cryptocurrency-related activities. This can help Ripple to rebuild the payment partnerships it lost due to the SEC lawsuit.

Besides this outlook, President Trump’s trade policies, though a concern at the moment, might indirectly favor American-first crypto innovations. With US Debt financing plans using cryptocurrency, the bull case for XRP is further solidified.

XRP Price Prediction for 2028

Different analysts forecast XRP using various models. However, CoinGape consulted DeepSeek AI on the coin’s price by 2028.

The AI model identified conservative, moderate, and bullish scenarios for the XRP price target. In the conservative estimate, DeepSeek sees XRP trading around $10 to $20. This forecast depends on the prospect of gradual adoption in the ecosystem.

The moderate estimate projects the coin to soar from $50 to $100 in the long term due to potential partnerships with SWIFT and US banks.

In the bull case scenario, the AI model sees the XRP price trading from $150 to $200 if it becomes included in the crypto reserve.

Is XRP Price Breakout Ahead?

Many supporters believe XRP has faced suppression in the past four years due to the Ripple lawsuit.