Ripple vs Ethereum: XRP Will Outperform ETH by 2028, Reveals Standard Chartered

• XRP could surpass Ethereum in market capitalization by 2028.
• Standard Chartered sees XRP as a leader in global payments.
• Leveraged XRP ETF approved by the New York Stock Exchange.

Standard Chartered has projected that XRP will surpass Ethereum in terms of market capitalization by the end of 2028, becoming the second-largest non-stablecoin digital asset. The prediction, made by Geoffrey Kendrick, the bank’s head of digital asset research, underscores XRP’s increasingly vital role in global payments, reflecting a significant evolution in the cryptocurrency market.

This view was reinforced by the recent approval of a leveraged XRP exchange-traded fund (ETF) by the New York Stock Exchange, highlighting a surge in interest in the cryptocurrency. Kendrick shared with the media that “by the end of 2028, we see XRP’s market cap surpassing that of Ethereum,” highlighting XRP’s utility as a robust platform for cross-border and cross-currency payments.

Standard Chartered’s analysis points out that the payments-related digital asset segment is witnessing steady growth in transaction volumes. This trend is seen as a lasting driver for XRP, which finds itself positioned alongside big names like Bitcoin and Avalanche in terms of performance in the crypto market.

Kendrick also highlighted the practical importance of XRP: “The primary use of XRP is as a cross-border, multi-currency payments platform.”

Furthermore, he mentioned Bitcoin's resilience in the face of recent market turmoil, which includes concerns over global tariffs, suggesting a bullish scenario for the future of cryptocurrencies, with XRP likely to reap major benefits.