XRP at $1.43 as Standard Chartered Sets $8 Target and Analysts Eye $28

XRP’s price has been fairly stable. It is holding within a tight range even as several major developments begin to overlap. Regulatory progress in the US, rising ETF inflows, and new integrations are all arriving within a short window. The market has not reacted decisively yet. But its positioning suggests investors are watching and waiting to see what happens next instead of chasing price.

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The CLARITY Act Window Closes in Two Weeks, and Everything Is Lining Up

At press time, XRP was trading at $1.43 following a 1.66% increase in price over the past 24 hours. The altcoin enjoyed a fairly good week following a 7.36% rise.

The CLARITY Act remains a vital part of this. Lawmakers are expected to push toward a markup by the end of April. This timeline is becoming extremely important. Ripple CEO Brad Garlinghouse said after recent meetings in Washington that the industry is closer than ever to clear regulation. His statement comes even though delays have made the exact timing less certain. Prediction markets currently place the odds of passage at just over 50%.

Analysts are already mapping out scenarios. At Standard Chartered, Geoffrey Kendrick estimates XRP could reach $8. This is if the bill passes. But if it is delayed, it might be priced at a low of $2.80. Other forecasts cluster in the $5 to $28 range under a similar outcome. Higher targets are tied to additional regulatory approvals. The bank projects XRP to claim $28 by the year 2030.

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Institutional Flows and Adoption Trends

Flows suggest early positioning. According to CoinShares data, XRP investment products saw $119.6 million in net inflows last week. Seven spot ETFs now hold close to $1 billion in assets. Goldman Sachs is currently the largest known buyer of these products.

Adoption is also expanding. Rakuten added XRP support for its user base of roughly 44 million in Japan. At the same time, more than 1,100 companies, including Coca-Cola and American Airlines, are exploring Ripple’s treasury tools for cross-border payments. Mastercard has also included Ripple in its crypto payments program.

On-chain activity reflects some of that growth. XRPL’s automated market maker reached about $890 million in the first quarter. This marked a sharp increase from last year. Despite these developments, XRP remains about 64% below its $3.65 high from July 2025. For now, the price is holding steady. But the market is awaiting clarity on regulation.

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