I recently came across a very interesting market analysis. Standard Chartered Bank analyst Geoffrey Kendrick released a report at the end of the year, making bold predictions for the next two years—Bitcoin target price of $225,000, XRP aiming for $10.40. What is the logic behind these numbers? First, favorable policy support, as the Trump administration has a friendly attitude towards crypto assets; second, continuous inflow into spot ETFs, with institutional participation accelerating; third, the promotion of Ripple USD stablecoin, coupled with an expected influx of $1 billion into ETF funds. In terms of potential returns, Bitcoin still has a 155% upside, while XRP is even more impressive—up to 455%. Sounds a bit aggressive? But if you understand the cyclical nature of the crypto market and its historical volatility, such target prices within a two-year timeframe are not entirely unimaginable. The key still depends on the implementation of policies, capital flow, and actual progress in institutional adoption.