OpenAI’s 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%.
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, ChatGPT’s 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 Ripple’s 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 $XRP’s 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.