XRP可能会飙升至$ 12.5，超过以太坊

根据新报告，XRP可能会飙升至12.5美元，并超过以太坊作为在特朗普第二学期结束之前的市值第二大加密资产。

Key Takeaways:

关键要点：

* Standard Chartered’s Geoffrey Kendrick predicts XRP to rally to $12.5 and become the second-largest cryptocurrency by market cap before Trump’s second term ends.

*标准特许的杰弗里·肯德里克（Geoffrey Kendrick）预测，XRP预计将达到12.5美元，并在特朗普第二学期结束之前成为市值的第二大加密货币。

* By 2028, XRP’s market cap could surpass Ethereum’s, according to Kendrick’s report, ‘The Seven Sins of (Digital) Integration.’

*到2028年，根据肯德里克（Kendrick）的报告，XRP的市值可能会超过以太坊的“（数字）整合的七个罪过”。

* The analyst highlighted several positive catalysts for XRP’s price growth, including regulatory developments and institutional adoption.

*分析师强调了XRP价格增长的几种积极催化剂，包括监管发展和机构采用。

* A key factor in XRP’s favor is the recent case resolution between Ripple and the SEC.

* XRP有利的关键因素是Ripple和SEC之间最近的案例解决方案。

* According to Kendrick, spot XRP ETFs could attract up to $8 billion in the first 12 months if approved by the SEC in the third quarter of 2025.

*据肯德里克（Kendrick）称，如果在2025年第三季度获得SEC的批准，那么在头12个月中，现场XRP ETF可能会吸引高达80亿美元。

Standard Chartered’s global head of digital assets research has made a bold prediction: XRP could skyrocket to $12.5 and become the second-largest cryptocurrency by market cap before Trump’s second term wraps up.

Standard Charter的全球数字资产研究负责人研究做出了大胆的预测：XRP可以飞速至12.5美元，并在特朗普第二学期结束之前成为市值第二大加密货币。

In his new report, ‘The Seven Sins of (Digital) Integration,’ Geoffrey Kendrick noted that XRP’s market cap could overtake Ethereum’s by the end of 2028.

杰弗里·肯德里克（Geoffrey Kendrick）在他的新报告“（数字）整合的七个罪过”中指出，XRP的市值可能会在2028年底之前超越以太坊。

Currently, XRP’s market cap stands at over $110 billion according to CoinGecko, placing it fourth on the list of largest crypto assets, lagging behind Bitcoin, Ether, and Tether.

目前，根据Coingecko的数据，XRP的市值超过1,100亿美元，将其排在最大的加密资产列表中，落后于比特币，以太和Tether。

For perspective, Ether’s market cap currently sits at around $183 billion.

从角度来看，Ether的市值目前为1830亿美元。

XRP’s market cap previously peaked at $190 billion in January, and it has also, at times, surpassed Tether to claim the third-ranking spot.

XRP的市值先前在一月份达到了1900亿美元的顶峰，有时甚至超过了Tether，以获得第三级现场。

Kendrick’s forecast is based on several factors, including expected regulatory developments and institutional adoption.

肯德里克（Kendrick）的预测基于几个因素，包括预期的监管发展和机构采用。

According to the analyst, a key positive catalyst for XRP’s price growth is the recent case resolution between Ripple and the SEC.

根据分析师的说法，XRP价格增长的主要阳性催化剂是Ripple和SEC之间最近的案例解决方案。

Last month, Ripple CEO Brad Garlinghouse said that the securities regulator had dropped its lawsuit against the blockchain company. Ripple has agreed to pay $50 million as part of the settlement, which does not require the firm to admit to any wrongdoing.

上个月，Ripple首席执行官布拉德·加林豪斯（Brad Garlinghouse）表示，证券监管机构已针对区块链公司撤销诉讼。 Ripple已同意作为和解的一部分支付5000万美元，这并不要求公司承认任何不当行为。

The SEC’s decision reflects a shift in regulatory approach under the current administration. Prior to Ripple, the agency had already withdrawn from several high-profile crypto enforcement cases.

SEC的决定反映了当前政府下的监管方法的转变。在进行Ripple之前，该机构已经从几个备受瞩目的加密执法案件中撤回。

XRP ETFs could attract up to $8 billion in first 12 months if approved

如果批准

Kendrick also forecasts SEC approval for spot XRP ETFs in the third quarter of 2025, which he estimates could attract $4-8 billion in inflows within the first year. This projection falls in line with JPMorgan’s estimate.

肯德里克（Kendrick）还预测，SEC在2025年第三季度获得了SPOT XRP ETF的批准，他估计这将在第一年内吸引4-8亿美元的流入。该投影与摩根大通的估计相一致。

The bank, in its January analysis, also anticipated first-year inflows for potential XRP spot ETFs to be in the range of $4 billion to $8 billion. JPMorgan’s forecast was based on the market penetration rates observed with existing Bitcoin and Ethereum ETFs.

该银行在1月份的分析中还预计，潜在的XRP现货ETF的第一年流入将在40亿美元至80亿美元之间。摩根大通的预测基于现有比特币和以太坊ETF观察到的市场渗透率。

Ripple’s CEO previously predicted XRP ETFs would make their market debut in the second half of 2025.

Ripple的首席执行官此前预测XRP ETF将在2025年下半年首次亮相。

Regarding XRP’s use case in payments, Kendrick believes its cross-border payment functionality aligns with growing digital asset usage trends, similar to stablecoins, which he notes have seen 50% annual transaction volume growth and are projected to increase tenfold over four years.

关于XRP付款中的用例，肯德里克（Kendrick）认为，其跨境支付功能与越来越多的数字资产使用趋势相吻合，类似于Stablecoins，他指出的是，年度交易量增加了50％，预计将在四年内增加十倍。