Three AI Models Update Their XRP Price Predictions for 2026

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.