XRP's price by the 2028 Bitcoin halving remains speculative, but analysts predict double-digit growth. Edo Farina suggests XRP could surpass $20, while others highlight its potential if it reaches Bitcoin’s current market cap. Factors influencing its rise include regulatory clarity, institutional adoption, and global utility. Some models estimate XRP between $10-$30 by 2028, depending on market trends and demand. However, volatility, competition, and macroeconomic conditions could impact its trajectory. Investors should stay cautious, as forecasts are uncertain. Thorough research and risk management are crucial before making investment decisions.