Standard Chartered predicts a surge to $5.50 for XRP this year and $12.50 before the end of the term.XRP's price retraced and currently trades at roughly $1.80.Standard Chartered predicts XRP's valuation could reach $5.50 by the end of this year and $12.50 by the end of 2028.Some analysts see bullish signals for XRP, while others warn of a potential drop to $1.30.