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As the new year begins, many analysts have predicted how high the XRP price could reach by December 2026.
Last year initially appeared promising for XRP, as the token broke key historical levels. It surged above $3.30 just days before Donald Trump’s inauguration, sparking optimism that XRP could set a new all-time high by the end of 2025.
XRP came close to establishing a new record in 2025 when it reached $3.66 in July. Some analysts consider this price an all-time high, while others disagree, noting that it remained below the widely cited peak of $3.84. Nonetheless, XRP’s price ended 2025 with a sharp 50% decline, ultimately closing the year at $1.84.
Investors Focus on XRP Performance by December 2026
Now, investors have shifted their focus to 2026. Bulls remain confident that the token could finish the year on a strong note, especially after XRP jumped more than 20% within the first few days of 2026.
Moreover, they cite several catalysts, including the possible passage of the CLARITY Act, growing demand for spot XRP ETFs, and expanding DeFi initiatives around the token, as drivers of further upside.
On the flip side, bears contend that XRP could once again come under heavy selling pressure due to unfavorable macroeconomic conditions similar to those that weighed on the market last year.
XRP Price Projections for December 2026
Based on these mixed expectations, The Crypto Basic consulted multiple sources, including Changelly and Telegaon, as well as AI chatbots ChatGPT and Google’s Gemini, to estimate where XRP could trade by the end of 2026.
Changelly Forecast
According to Changelly, XRP is poised for steady growth throughout the year, with its price gradually climbing from around $2 to above $3. By December 2026, analysts project a minimum price of $3.18, an average of $3.26, and a maximum of $3.49.
From the current price of $2.13, XRP would need to rally by 49.29%, 53.05%, and 63.84% to reach $3.18, $3.26, and $3.49, respectively.
Telegaon
Meanwhile, prediction platform Telegaon has also released its 2026 outlook for XRP. Although it did not provide a month-by-month breakdown, Telegaon forecasted that XRP could trade around $2.14 before ultimately climbing to as high as $5.18 by year’s end. This projection implies a potential gain of 0.47% to 143% from current levels.
ChatGPT and Gemini’s 2026 Price Estimates for XRP
In addition, AI chatbots ChatGPT and Google’s Gemini offered their own perspectives on where XRP might stand by December 2026.
ChatGPT Projection
ChatGPT outlined its outlook across four scenarios: conservative, moderate growth, bullish breakout, and extremely bullish.
Under the conservative scenario, ChatGPT expects XRP to trade between $2 and $3.5 by December 2026, calling this the most likely outcome. It then set a moderate target of $3 to $5, noting that this scenario could unfold if ETF inflows expand at a measured pace.
Furthermore, ChatGPT suggested that a bullish breakout could drive XRP to $5-$8 by December 2026, provided demand for XRP ETFs accelerates significantly. Under an extremely bullish scenario, the chatbot highlighted a year-end target of $8 or higher.
While it acknowledged that such a move would be challenging, it emphasized that XRP could reach these levels under highly optimistic conditions, such as runaway institutional demand or unexpected growth in real-world utility adoption.
Gemini Forecast
Google’s chatbot Gemini also shared its December 2026 price outlook for XRP, outlining conservative, average, and bullish scenarios.
Drawing on forecasts from multiple analysts, including those at Standard Chartered, Gemini estimates that XRP could trade between $1.80 and $3.50 under its conservative case. It also warned that the price could briefly dip to around $1.50, citing possible regulatory challenges across the crypto market and intense competition facing XRP.
Under its average scenario, Gemini places XRP’s December 2026 target within the $2.81 to $4.50 range. Meanwhile, in a bullish case, the chatbot projects that XRP could reach $8 by year-end and climb to $10-$20 if strong ETF inflows materialize and institutional adoption accelerates significantly.
