Several entities have presented their XRP price predictions, projecting modest to ambitious targets from 2025 to 2030.

XRP has garnered attention due to its promising future, with growing optimism fueled by developments such as progress toward a potential XRP exchange-traded fund (ETF), as the U.S. SEC acknowledges multiple ETF filings, and speculation about its inclusion in a U.S. strategic reserve.

In addition, the anticipated conclusion of Ripple’s legal battle with the U.S. SEC has bolstered confidence. As a result, XRP has been a subject of bullish price projections. However, the extent of its rally should these developments materialize remains to be seen.

Notably, to get some insights, The Crypto Basic recently examined price predictions from artificial intelligence chatbots xAI’s Grok and OpenAI’s ChatGPT, which provided different forecasts based on different influencing factors.

Grok’s XRP Price Predictions

Particularly, Grok’s projections indicate a steady increase in XRP’s value, beginning in 2025 at a low of $2.45, an average of $2.69, and a high of $4.11. By 2026, expectations rise to an average of $4.60 and a peak of $5.56. 

Further, as global adoption expands, 2027 estimates surge further, with Grok predicting a low of $4.81 and a high of $10.89. Moving into 2028, the chatbot believes XRP could potentially reach an average price of $11.80 and highs of $20.12. 

The growth trend continues in 2029, where Grok forecasts values between $7.68 and $35.02, with an average of $17.61. By 2030, the asset could achieve an average of $25.03, with projections ranging from $9.28 to $57.26. The chatbot consolidated these predictions from various platforms.

Grok attributed the forecasts to increasing adoption in cross-border payments and decentralized finance (DeFi), as well as broader crypto market expansion. The chatbot suggested that XRP’s price growth will be driven by regulatory clarity and institutional interest. 

However, it also acknowledged market uncertainties, which have led to varying projections from other analysts. For example, some sources suggest a more optimistic 2025 valuation of $4.50, while others place it at $2.69.

ChatGPT’s XRP Price Predictions

Meanwhile, ChatGPT presented a more bullish perspective, projecting XRP could trade between $5 and $8 in 2025, depending on market trends and Ripple’s progress in securing institutional partnerships. 

The chatbot attributed this expected growth to increasing adoption, potential legal resolutions, and a broader market rally. In 2026, it sees a price range of $6 to $12, with an expansion in banking partnerships and potential integration with central bank digital currencies (CBDCs).

Interestingly, by 2027, ChatGPT anticipates XRP could reach values between $10 and $20, particularly if ISO 20022 financial messaging standards become adopted, leading to broader institutional use. 

The upward trajectory continues into 2028, with potential prices ranging from $15 to $30. This increase is based on the belief that banks, remittance firms, and fintech companies could increasingly rely on XRP for financial transactions.

As the years progress, ChatGPT sees XRP prices ranging between $25 and $50 by 2029. If Ripple strengthens its position in cross-border payments, XRP could rival traditional systems such as SWIFT, gaining mass adoption.

By 2030, ChatGPT’s most optimistic scenario suggests XRP could exceed $100, provided it achieves widespread dominance in remittances, DeFi, and CBDC integrations.

Can XRP Reach These Levels?

Several factors will determine whether these predictions materialize. The resolution of Ripple’s ongoing legal challenges could play a major role, as a favorable outcome may encourage more financial institutions to embrace XRP. While projections vary, the general sentiment remains positive.

Additionally, the emergence of an XRP ETF, along with possible government-backed integrations, could boost demand and liquidity. The broader market cycle will also be a key influence, as bullish conditions typically drive higher valuations across the crypto industry.