Standard Chartered predicts XRP-USD will top $12.50 by 2029, citing a change in SEC leadership.XRP has the potential to benefit from a favorable regulatory environment and an increase in cross-border payments volumes.Traditional fintech firms like SoFi, PayPal, Square, and Global Payments are on a downtrend.Conservative investors skeptical of XRP may consider traditional bank firms like JPMorgan, Goldman Sachs, Citigroup, Bank of America, and Wells Fargo.