Artificial intelligence platforms ChatGPT and Google Gemini have shared projections for where XRP might stand by December 2025, taking into account several potential catalysts for Ripple and its native token.
Ripple is currently navigating a series of major initiatives that could significantly affect XRP’s valuation. One of the most closely watched is the potential approval of a U.S.-based spot exchange-traded fund (ETF) for XRP. Prediction market Polymarket assigns a 91% probability that regulators will authorize at least one ETF before the year ends.
In addition, Ripple has applied for a national bank charter in the United States. The filing, made in July, is now under review by the Office of the Comptroller of the Currency, with a decision expected by late October. Securing this charter would allow Ripple to operate more directly within the country’s regulated banking framework.
The company is also expanding internationally. In recent weeks, Ripple has formed partnerships with African fintech firms, including Chipper Cash, VALR, and Yellow Card, to advance cross-border payment solutions using RLUSD, its U.S. dollar-backed stablecoin.
RLUSD has quickly gained traction, with its market capitalization surpassing $700 million. Since many RLUSD transfers are settled through the XRP Ledger, its growing adoption indirectly increases XRP’s utility.
ChatGPT’s Forecast for December 2025
At present, XRP is priced at $2.84, with a market capitalization of about $169 billion. Asked about its potential price by the end of 2025, ChatGPT outlined several possibilities based on different outcomes.
In a conservative case, if ETF approval moves forward but the bank charter is delayed, ChatGPT expects XRP could climb to a range of $5 to $7. This would represent an increase of roughly 80% to 150% from current levels.
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Should both the ETF and bank charter receive approval while RLUSD adoption continues to rise, the model projects a stronger outcome, with XRP advancing to between $10 and $15. This scenario would imply a market capitalization approaching $600 billion.
Under the most optimistic assumptions, where institutional and retail demand accelerate together, ChatGPT believes XRP could even exceed $20 in a speculative rally.
Google Gemini’s Perspective
Google Gemini offered a more cautious outlook. According to its assessment, an ETF approval alone could lift XRP by about 60%, placing the token near $4.48. If Ripple also secures the bank charter, Gemini foresees an additional 20% to 25% increase, bringing XRP into the $5.38 to $5.60 range. With sustained growth in RLUSD adoption and strategic partnerships, Gemini concludes the year-end price could settle between $5.65 and $6.16.
While these projections highlight the potential impact of upcoming events, both platforms stressed that the figures are speculative. Market conditions, regulatory outcomes, and adoption rates remain uncertain, and there is no guarantee XRP will respond as modeled even if the developments occur.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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