XRP has had a brutal few weeks, but ChatGPT still sees room for a modest recovery before the end of 2026.
With XRP trading around $1.07, ChatGPT puts its most likely December 31 price at $1.20.
That would represent upside of roughly 12% from current levels.
The forecast is far from aggressively bullish, however. ChatGPT gives XRP only a 20% probability of reaching the $1.60-$1.80 region and assigns a meaningful 35% chance to a bearish finish between $0.75 and $0.90.
What you'll learn 👉
Why ChatGPT Sees $1.20 as the Most Likely XRP Price
ChatGPT’s forecast starts with XRP’s damaged technical structure.
XRP has fallen more than 24% over the past 30 days and roughly 16% in one week. Daily RSI is near 26, placing the token in deeply oversold territory.
That creates conditions for a rebound.
But ChatGPT does not treat oversold conditions as proof that the bottom is already in.
XRP remains below its 20-day EMA near $1.21, 50-day EMA around $1.28 and 200-day EMA close to $1.33. MACD also remains negative.
That is why $1.20 makes sense as ChatGPT’s base-case target.
It would represent a recovery from oversold conditions without requiring XRP to fully repair its bearish daily trend.
XRP Could Still Finish 2026 Below $1
ChatGPT’s bearish scenario carries a 35% probability and places XRP between $0.75 and $0.90 by December 31.
The immediate support area sits around the recent $1.03 low and the psychological $1 level.
If XRP loses $1 and cannot reclaim it, ChatGPT expects downside risk to increase significantly.
Bitcoin is another important variable.
The bearish case assumes BTC falls below $70,000 while XRP ETF withdrawals continue and tighter Federal Reserve policy puts more pressure on risk assets.
That combination could send XRP toward the $0.90 region and potentially deeper.
Read also: Why Is XRP Crashing Harder Than Bitcoin, Ethereum and Solana?
Bullish XRP Scenario Targets $1.60-$1.80
ChatGPT gives the bullish scenario the lowest probability at 20%.
For that outcome, XRP would first need to recover through $1.33-$1.42, an area containing important moving averages and previous resistance.
Bitcoin would likely also need to rebound above $85,000, with XRP ETF inflows improving and macro conditions becoming less restrictive.
Under those conditions, ChatGPT sees $1.60-$1.80 as achievable by year-end.
At $1.80, XRP’s market capitalization would rise to roughly $114 billion based on the current circulating supply of 63.5 billion tokens.
That is ambitious but still within a realistic range for a strong crypto recovery.
By comparison, a $5 XRP price would imply a market capitalization near $317.5 billion, which ChatGPT considers too aggressive for the remaining 50 days of 2026.
ChatGPT’s XRP Year-End Scenarios
| Scenario | XRP price | Probability |
|---|---|---|
| Bearish | $0.75-$0.90 | 35% |
| Base case | $1.10-$1.30 | 45% |
| Bullish | $1.60-$1.80 | 20% |
ChatGPT’s single most likely target remains $1.20.
Its reasoning is fairly balanced.
XRP is oversold enough for a relief rally, and longer-term ETF demand remains positive. But the token is still below every important daily moving average, recent fund flows have weakened, Bitcoin remains under pressure and the Federal Reserve backdrop is not particularly friendly for speculative assets.
So ChatGPT is not calling for another major XRP bull run before December 31.
It expects something much less dramatic: stabilization near $1, followed by a partial recovery toward $1.20 as 2026 comes to an end.
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