OpenAIs artificial intelligence model ChatGPT has projected that XRP could end the third quarter of 2026 at $1.35, representing a gain of roughly 24% from its current trading level of $1.09.
The forecast comes as XRP continues to trade in tandem with broader cryptocurrency market sentiment, which has remained in a consolidation phase in recent weeks.
According to ChatGPT‘s analysis, XRP’s most likely trading range by September 30, 2026, is between $1.25 and $1.45, with $1.35 serving as the base-case target.
The model assigned a 50% probability that XRP finishes Q3 between $1.25 and $1.45, a 25% chance of trading between $0.85 and $1.05, and a 20% probability of reaching $1.60 to $2. The likelihood of XRP exceeding $2 before the end of September is estimated at just 5%.
XRP price prediction. Source: ChatGPT
ChatGPT also identified $1.20 as the key level to watch. Sustained weekly closes above that threshold could support a move toward $1.50, while continued weakness below it may keep XRP in the $1.20 to $1.35 range by quarter-end.
XRP price fundamentals
Despite several positive developments surrounding the XRP ecosystem, ChatGPT does not expect a major breakout before the end of the third quarter.
The AI model noted that XRP has repeatedly struggled to establish sustained momentum above key resistance levels. While buyers have consistently emerged near the $1.05 to $1.10 range, the market is still waiting for stronger evidence that growing institutional adoption and ecosystem expansion are translating into significantly higher token demand.
As a result, ChatGPTs base-case forecast places XRP at $1.35 by the end of September. The prediction assumes continued growth across the XRP ecosystem without a major catalyst that could trigger a rapid move to new cycle highs.
One of the key factors supporting XRP is the growth of spot XRP ETFs, which have attracted more than $1.4 billion in cumulative inflows during 2026.
Importantly, inflows have remained positive even during periods of price weakness, suggesting institutions are accumulating XRP for the long term.
ChatGPT identified this steady ETF demand as a major reason why XRP is unlikely to experience a sharp decline in the near term.
The AI model also highlighted Ripples expansion beyond cross-border payments. Through acquisitions and strategic investments, Ripple is building a broader institutional financial ecosystem where XRP serves as liquidity and settlement infrastructure. If adoption of these services continues to grow, it could strengthen long-term demand for the token.
ChatGPT also identified growing XRP Ledger activity as a positive long-term catalyst. The network is seeing increased interest in tokenized assets, stablecoins, decentralized finance (DeFi) applications, and enterprise settlement solutions, with Ripple positioning XRPL as a low-cost, fast-settlement platform for institutional tokenization projects.
XRP cautious outlook
However, the AI noted that these developments alone may not be enough to trigger a major rally in the near term, as significant price appreciation typically requires a broader crypto market upswing, stronger on-chain activity, or a supply-demand shock.
While ChatGPT remains cautious on XRPs upside potential, it also sees limited downside risk. With regulatory uncertainty largely resolved and institutional adoption increasing, the AI considers a drop below $0.90 unlikely under current market conditions.