XRP Tops Ethereum in Standard Chartered 2028 Targets Set Pre-Selloff
Standard Chartered's 2028 price targets would turn $1,000 into about $13,180 in XRP or $9,950 in Ethereum. Both targets predate a sharp selloff that has left XRP down 48.2% and Ethereum down 39.3% this year.
A $1,000 stake in XRP could grow to about $13,180 by 2028, against about $9,950 for the same amount in Ethereum, according to Standard Chartered's price projections cited in a crypto analysis published November 15, 2026. So which could be worth more by 2028, $1,000 in XRP or Ethereum? On paper, XRP leads, but the forecasts were set before the latest selloff.
Where prices stand now
XRP trades at about $0.96, down 17.3% over the past week and 48.2% this year. Ethereum is priced around $1,809, down 19.2% over the week and 39.3% year to date.
XRP sits 74% below its all-time high of $3.65 from July 2025. Ethereum is 63% below its $4,946 peak from August 2025.
At those prices, $1,000 buys about 1,046 XRP or about 0.55 Ethereum. Those coin counts stay fixed, so the 2028 value depends only on each coin's price.
What Standard Chartered projected
Geoffrey Kendrick, who led the bank's digital assets research when the targets were set, put XRP at $12.60 for 2028 in a February revision. The same revision had $2.80 by year-end, $7 for 2027, $19.60 for 2029 and $28 for 2030. Those targets were later revised downward amid ETF outflows and broader economic pressure.
For Ethereum, the bank reaffirmed on June 4 a forecast of $4,000 by year-end, $10,000 at the end of 2027, $18,000 at the end of 2028 and $40,000 by 2030. Both sets of predictions came before the selloff that followed the October 21 highs, and may have changed since.
Size and supply
Ethereum has a market value of about $221 billion, making it the second-largest crypto asset. XRP's is around $60.7 billion, placing it sixth.
Supply dilution, when new tokens enter circulation over time, affects XRP more. About 63.5 billion XRP circulate out of a total cap of 100 billion, giving it a fully diluted value of about $95.6 billion. Ethereum's circulating supply already matches its total supply at 122.2 million coins.
ETF flows weaken
Spot XRP ETFs had cumulative inflows of $1.79 billion as of November 13, according to SoSoValue, a data provider. Their net assets have dropped from $1.57 billion on October 21 to $1.15 billion, including $10.4 million in outflows on November 9 alone.
XRP trades 37% below its 50-day moving average of $1.31 and 32% below its 200-day average of $1.26. The $2.80 year-end target would need a 193% rise.
Ethereum ETFs have cumulative net inflows of about $11.52 billion as of November 13. Their net assets fell from $15.36 billion on October 21 to $10.85 billion. The largest single-day outflow was $184.5 million on November 9, followed by a $2.4 million inflow on November 13.
Ethereum also trades below its 50-day average of $2,396 and its 200-day average of $2,145.
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