XRP in 2026: $1 Crash or $10 Moonshot? ChatGPT’s Outrageous Ripple Price Predictions

Ripple closed arguably its best year to date, with multiple high-level acquisitions, the favorable ending of the lawsuit against the SEC, as well as new partnerships and licenses. The native token also benefited, at least until the summer when it peaked at $3.65, breaking its 2018 ATH.

However, the following several months were painful despite the Q4 launch of five spot XRP ETFs in the United States. As a result, the asset ended 2025 in the red and below $1.90. All eyes are now set on the new year and what it could bring to XRP’s price performance. Here’s what ChatGPT thinks.

XRP Back Below $1?

Aside from a brief and unexpected dip below the $1.00 level during the early October market-wide crash, Ripple’s XRP has remained above that line for the entire 2025. In fact, it hasn’t been beneath it since late November 2024.

However, ChatGPT believes there’s a possibility of such a breakdown in 2026. It cited several risks that could cap upside and trigger a massive meltdown:

• Aggressive profit-taking from long-term holders
• Fading speculative demand if the broader market cools
• Macro uncertainty limiting institutional risk appetite

Recall that large long-term holders, typically referred to as whales, have been on a violent selling spree since October, disposing of billions of tokens in Q4.

If this worrisome behavior continues, the token could “lose key psychological support and revisit the $1.00-$1.20 range, representing another 40-50% drop from current levels. While painful, such a move would not be unprecedented for XRP, which has historically been prone to deep retracements after euphoric rallies,” such as the one seen in mid-2025.

Or Maybe $7-$10?

ChatGPT admitted that XRP enters 2026 at a “crossroads” without a clear price direction. It added that the first couple of months may set the trend for the entire year. If the bulls take control, then the AI platform sees a massive run ahead.

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If that’s to happen, though, Ripple would need to continue with its impressive yearly performance in terms of partnerships, licenses, and growing usage of the XRP Ledger. In case these factors align, including a market resurgence, XRP could post a 3x to 5x move from current prices and head toward $10.00.

“Such a rally would likely be driven by institutional capital rather than retail hype – a dynamic shift that could make the move faster and more violent than previous cycles,” ChatGPT concluded.

The spot XRP ETFs have indeed enjoyed the first couple of months, gaining well over a billion dollars, while the rest of the crypto-focused funds have fallen behind.