What if a digital asset once called “too slow” or “too regulated” suddenly became one of crypto’s biggest comeback stories? XRP is trading at $2.80 and has a market cap of over $170 billion.
With Ripple’s lawsuits mostly behind it and adoption stories picking up, investors and traders might be asking how high XRP price could go, or whether it could possibly reach $20 by the end of 2025. TheCryptoBasic looked at AI insights to explore how realistic this bold prediction might be.
XRP price speculation has gained momentum as Ripple moves closer to resolving its long-standing legal battle with U.S. regulators. TheCryptoBasic points out that the prospect of an XRP spot ETF in the United States has become one of the most talked-about catalysts.
Polymarket even places the odds of approval at 91% by the end of the year. When Bitcoin and Ethereum ETFs went live, their prices jumped 60% and 42%. Many now wonder if Ripple price action could follow a similar pattern or even outperform it.
What you'll learn 👉
What AI predicts for XRP price by 2025
TheCryptoBasic shared projections from two major AI models ChatGPT and Google Gemini on where Ripple price could land by December 2025.
ChatGPT presented three different scenarios. In a conservative outlook, with ETF approval but delays in Ripple’s U.S. bank charter, XRP could rise to $5 to $7, representing an 80 to 150% climb. If both ETF approval and the bank charter go through while RLUSD adoption grows, ChatGPT sees a range of $10 to $15, pushing Ripple’s market cap toward $600 billion. Under an optimistic “euphoric” scenario with both retail and institutional money flooding in, ChatGPT even suggested XRP could break above $20.
Amid these potential developments, XRP trades at $2.80, with a market cap of $166.9 billion. With these changes on the horizon, it remains to be seen how high XRP could climb if the pieces fall into place. As a result, we asked ChatGPT from OpenAI and Google Gemini for their… pic.twitter.com/XnTDjwhGl9
— TheCryptoBasic (@thecryptobasic) September 5, 2025
Google Gemini, on the other hand, offered a more restrained perspective. It expects ETF approval alone could lift XRP by 60% to around $4.48. Should Ripple secure its bank charter as well, Gemini predicts XRP could move into the $5.38 to $5.60 range, with RLUSD partnerships possibly extending that to $6.16.
Ripple’s Growing Ecosystem
Ripple is not just waiting for approvals. The company continues expanding globally. Recent partnerships with Chipper Cash, VALR, and Yellow Card are pushing RLUSD adoption in Africa. RLUSD, Ripple’s dollar-backed stablecoin, has already reached a market cap above $700 million.
Since a portion of RLUSD transactions move through the XRP Ledger, this growth enhances XRP’s utility. TheCryptoBasic emphasizes that these efforts could strengthen Ripple’s long-term positioning in the payments industry.
Could XRP Really Climb That High?
The idea of XRP reaching $20 by 2025 is sparking debate. It sits at the intersection of regulation, innovation, and adoption. ChatGPT sees a chance for big gains if everything goes well. Gemini is more cautious, predicting smaller increases. Both show one key point XRP’s future price depends on how regulators, institutions, and users act in the coming months.
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Will XRP pull off a comeback and surprise critics, or stay limited by uncertainty? TheCryptoBasic’s review of AI predictions keeps the question open. The next steps for Ripple could hold the answer.
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