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XRP is projected to rally up to 250% by 2028, potentially reaching $12.50.
Ripple Labs' legal clarity and growing institutional adoption boost XRP’s momentum.
XRP could challenge Ethereum’s dominance as ETH faces rising competition in the cryptocurrency space.
XRP, the cryptocurrency developed by Ripple Labs, is currently in the spotlight. Many analysts and investors are now questioning whether XRP can eventually overtake Ethereum (ETH) by 2028, especially if it achieves a rally of 250% or more. With XRP trading around $2.18 and Ethereum at $2,563, the gap between them seems huge. But as history has shown in the crypto world, big moves are always possible.
This article explores the chances of XRP overtaking Ethereum by 2028, based on current data, predictions, and market developments.
XRP trades around $2.18, with daily movement between $2.14 and $2.18.
Ethereum (ETH) trades around $2,563, ranging from $2,489 to $2,565.
XRP has gained over 350% in the past year, growing from below $0.50 to above $2. In comparison, Ethereum has grown steadily but hasn’t matched XRP’s percentage growth recently. This strong rally has led some experts to believe XRP might climb further, potentially even outperforming Ethereum.
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A major global bank, Standard Chartered, has predicted XRP might reach $12.50 by 2028. That would be a rise of about 470% from current prices. According to their projection, XRP may move in this pattern:
By 2025: Around $5.50
By 2026: Around $8.00
By 2027: Around $10.40
By 2028: $12.50
In this scenario, XRP could surpass Ethereum in total market value, also known as market capitalization.
Analysts from major crypto trading platforms expect XRP to hit $5 by the end of 2025, especially if institutional interest continues to grow.
Some short-term predictions suggest XRP will remain between $2.10 and $2.18 during June 2025 but may break out soon.
If XRP grows just 250%, its price will reach about $7.50, bringing it very close to Ethereum in value.
XRP is built to handle fast and cheap international payments. It has a clear use case in real-world banking, especially in cross-border transactions. This makes it attractive to financial institutions compared to Ethereum, which can be slower and more expensive due to network fees.
Large investment firms and financial institutions are now showing more interest in XRP. Some are even discussing launching XRP-based financial products like ETFs (exchange-traded funds). Recently, XRP saw a price jump because of strong buying activity by institutional players.
Ripple, the company behind XRP, won a major legal victory against the U.S. Securities and Exchange Commission (SEC). A court ruled that XRP sold on exchanges does not qualify as a security. This cleared a big hurdle for XRP and gave investors more confidence.
There are discussions about XRP being included in a possible U.S. crypto reserve. This kind of recognition, even at a proposal level, helps XRP gain more attention and respect in the financial world.
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XRP recently broke above $2.21 and touched $2.33, before settling back around $2.25.
Analysts believe that if XRP breaks past $2.50, the next move could take it toward $3.00 or higher.
If XRP fails to hold above $2.10, it could fall toward $1.75.
Even with just small gains each month, XRP could reach $6–$8 by 2028. Larger jumps — especially after big announcements — could take it beyond $12.
To understand if XRP can surpass Ethereum, it's important to look at market capitalization, which is the total value of all coins in circulation.
XRP’s current market cap: About $130 billion
Ethereum’s current market cap: About $329 billion
For XRP to flip Ethereum, it must more than triple its market cap. If XRP reaches $12.50 and with about 41 billion tokens in circulation, the market cap would be around $512 billion, which is enough to overtake Ethereum.
A 250% rally puts XRP close to Ethereum but may not be enough to flip it fully unless Ethereum’s growth slows down or stalls.
Even though XRP has strong potential, there are some challenges ahead:
Ethereum continues to improve. With features like staking and lower gas fees being developed, Ethereum still has a strong future in smart contracts and decentralized finance (DeFi).
While XRP gained clarity in the U.S., future laws in other countries or new rules from regulators may slow its progress.
If global markets crash or investors become risk-averse, both XRP and Ethereum could suffer.
XRP has a large supply of tokens. Ripple also holds a portion of XRP and releases some into the market regularly. This can slow down price growth during sensitive times.
XRP has seen massive growth and now has a clearer legal status, strong use cases, and growing support from big investors. A 250% rally by 2028 is not only possible — it may happen faster if positive momentum continues. If XRP reaches between $7 and $12, it will be in serious competition with Ethereum in terms of overall market value.
Ethereum remains strong in its field, especially in DeFi and Web3. But XRP's speed, utility, and legal clarity make it a top contender for future dominance in the crypto space.
The next few years will be critical. Whether XRP fully flips Ethereum or not, it’s becoming one of the most important cryptocurrencies to watch.
