Two leading artificial intelligence models have provided contrasting predictions for the price of XRP if U.S. spot ETFs attract $10 billion in inflows by 2026. OpenAI’s ChatGPT forecasts a price range of approximately $6 to $8, while Anthropic’s Claude suggests a more optimistic range of $8 to $14, highlighting the potential impact of supply dynamics and institutional interest.
Understanding the Context for $10 Billion Inflows
U.S. spot XRP ETFs launched in November 2025, quickly garnering around $1 billion in assets within the first month. This rapid uptake surpassed that of early Ethereum ETFs, indicating a growing appetite for regulated exposure to XRP. As the ETFs purchase tokens for custody, they effectively reduce the circulating supply. Notably, XRP’s exchange balances fell from 3.95 billion to 2.6 billion, a roughly 45% decline that underscores the impact of ETF inflows and accumulation by large investors.
Analysts are optimistic about the potential for $10 billion in ETF inflows, noting that over a dozen asset managers have filed for spot XRP ETFs. The legal clarity established by the SEC settlement in August 2025 has removed significant barriers to institutional investment, allowing banks and advisors to engage with XRP free from securities law concerns. Furthermore, macroeconomic conditions are favorable, with expectations of continued interest rate cuts from the Federal Reserve, pushing capital toward riskier assets like cryptocurrencies.
AI Predictions: ChatGPT vs. Claude
ChatGPT’s conservative approach predicts that XRP could reach approximately $4.40 by early 2026, even without the anticipated ETF inflows. It highlights bearish macro conditions, including liquidity outflows from Bitcoin ETFs. In the $10 billion scenario, ChatGPT estimates that absorbing an additional $9 billion in demand would remove about 4.1 billion tokens from the market, leading to a price range of $6 to $8. The model emphasizes that price increases above $8 would require sustained participation from both retail and institutional investors, along with continued regulatory clarity.
In contrast, Claude adopts a more aggressive stance, predicting that XRP could break into the $5 to $15 territory by the end of 2025 and potentially approach $15 by 2026. This prediction is rooted in the belief that ETF demand may trigger a structural shift in the market, rather than merely a temporary liquidity event. Claude suggests that if ETFs hold around 4 billion tokens, supply would contract further than expected, driving prices higher.
Claude envisions a virtuous cycle where rising prices attract more institutional interest, which in turn could lead to greater adoption of XRP in various banking partnerships. This model stands in contrast to ChatGPT’s more cautious view, which factors in the likelihood of profit-taking during price rallies.
Both models offer valuable insights, yet analysts maintain a grounded perspective on the implications of $10 billion in ETF inflows. Many seasoned analysts target a price range of $5 to $6 for XRP by the end of 2026. They argue that while ETF inflows could stabilize prices, significant appreciation would depend on broader adoption of On-Demand Liquidity (ODL) solutions, which utilize XRP tokens directly.
While AI predictions can provide intriguing scenarios, they should be interpreted with caution. Analysts remind investors to consider the broader market landscape, including regulatory developments and the competitive dynamics of the cryptocurrency space. The consensus indicates that while a bull scenario is possible, it requires a convergence of favorable conditions.
Investors should view these AI-generated price predictions as potential outcomes rather than assured results. The interplay of supply and demand will be crucial in determining XRP’s future price trajectory, especially as the market continues to evolve.