thecryptobasic.com
Three AI models, ChatGPT, Google Gemini, and Grok, have updated their $XRP price predictions for 2026 amid the current market realities.
$XRP has had a rough start to 2026. As of February 2026, the token has dropped 26% since the beginning of the year and now trades at $1.36. This price also puts it 62% below its July 2025 all-time high of $3.6.
The broader crypto market has moved in the same direction, but analysts still believe this pullback remains part of a normal market cycle and could precede a rebound later in the year. Amid the uncertainty, three major AI models, Google Gemini, OpenAI’s ChatGPT, and xAI’s Grok, have updated their $XRP price predictions for the end of 2026.
Key Points
- $XRP is down 26% in 2026 and trades at $1.36, sitting 62% below its July 2025 peak of $3.6.
- With the current bearish market realities, AI models ChatGPT, Google Gemini, and Grok have updated their $XRP price predictions for 2026.
- Google Gemini expects consolidation between $1.15 and $1.5 in the first half of 2026, then a move toward $2.8 to $3.5, setting a $3.15 year-end target.
- ChatGPT projects a base-case range of $2.1 to $2.6 by December 2026, with upside to $3 to $4.2 on higher liquidity and downside to $0.95 to $1.3 in a risk-off market.
- Grok says there is a 50% probability $XRP trades around $2 to $3.5 in a base case, but shares a bear case of $0.8 to $1.1 and a bull case of $5 to $8.
- In their projections, these models cite factors such as ETF inflows, the CLARITY Act, Federal Reserve rate cuts, and Ripple’s banking expansion.
Google Gemini’s $XRP Price Predictions for 2026
For its prediction, Google Gemini considered regulation, institutional demand, and growing use of the $XRP Ledger. The model pointed out that retail interest, demonstrated by Open Interest, has fallen to a yearly low.
Meanwhile, institutional buying through spot $XRP ETFs launched in late 2025 has stayed steady. According to Gemini, this steady ETF accumulation has helped create a stronger price floor even while the market cools.
Then, Gemini called attention to the CLARITY Act moving through the U.S. Senate. If lawmakers pass the bill, the model believes $XRP could strengthen its position as a compliant bridge asset for banks, shifting further away from being viewed as just another speculative altcoin.
It also highlighted rising activity in tokenizing real-world assets on the $XRP Ledger, including U.S. Treasuries. The AI chatbot believes that more high-quality assets moving onto the network would create greater demand for $XRP to power transactions.
For 2026, Gemini expects two phases. It sees consolidation between $1.15 and $1.5 in Q1 and Q2, then a stronger move between $2.8 and $3.5 in Q3 and Q4. The chatbot set a year-end target of $3.15.
Gemini added that if the Federal Reserve cuts rates by mid-2026, fresh liquidity could flow into risk assets like $XRP. However, the model warned that competition from stablecoins such as RLUSD or USDC and delays around the CLARITY Act could keep $XRP stuck below $2.
ChatGPT’s $XRP Price Predictions for 2026
Notably, OpenAI’s ChatGPT pointed out that $XRP’s decline was part of a wider crypto cycle, not a project-specific issue. The model called $XRP a high-beta asset that moves with overall market sentiment. It says that unless something breaks structurally for Ripple or the market, assets like $XRP usually do not stay depressed once liquidity returns.
ChatGPT presented three possible paths. First, if the market stays uneven but avoids a major macro shock, $XRP could recover to between $1.8 and $2.4 by the end of 2026.
Secondly, if liquidity improves more strongly, through rate cuts or broader crypto ETF inflows, $XRP could climb into the $3 to $4.2 range during a typical late-cycle altcoin expansion.
For the third path, ChatGPT considered a downward scenario. It suggested that if risk-off conditions continue all year, $XRP could trade between $0.95 and $1.3 without building a lasting uptrend.
Overall, the chatbot expects $XRP to finish December 2026 between $2.10 and $2.60, assuming the market moves from contraction to early recovery in the second half of the year.
Grok’s $XRP Price Predictions for 2026
Meanwhile, xAI’s Grok called $XRP a token moving through a consolidation phase amid resolved SEC issues, ETF adoption, and cross-border payment use cases. Speaking further, Grok reported that $XRP ETFs have brought in $1.3 billion since late 2025. It suggested that approvals in more countries could increase the figure.
Interestingly, the model estimated $XRP could capture between 2% and 5% of the $10 trillion-plus global settlements market if adoption expands. It also pointed out that $XRP’s RSI levels sit around 45 to 50, with support at $1.20.
For its $XRP price predictions, Grok said there was a 30% chance of a bear case between $0.80 and $1.10, a 50% chance of a base case between $2.00 and $3.50 with $2 billion to $3 billion in ETF inflows, and a 20% chance to a bull case between $5.00 and $8.00 if Bitcoin reaches $150,000.
Overall, Grok expects $XRP to end December 31, 2026, around $3.20, assuming the market finds a bottom by Q2 2026 and trends higher through the rest of the year.