Recent speculative price predictions for XRP, including a viral claim from a community member suggesting the token could reach $10 by the end of January, have been met with strong skepticism. An analysis using OpenAI's ChatGPT concluded that such a short-term surge is "extremely unlikely." The AI model noted that XRP, currently trading below $2.10, would require a nearly 400% rally in just 14 days, an event that would demand simultaneous major catalysts.
ChatGPT outlined that a $10 XRP price this month would require a broad crypto market breakout led by Bitcoin, massive and sudden institutional inflows specifically into XRP, and a clear regulatory or adoption shock that redefines its valuation overnight. The analysis stated, "Without an extraordinary black-swan catalyst, a $10 XRP this month falls firmly into the low-probability, hype-driven narrative category."
When asked about the potential for XRP to reach $10 at any point in 2026, ChatGPT indicated the conversation changes, calling it "not impossible" but still a speculative goal. It listed necessary conditions including sustained institutional adoption of Ripple's payment infrastructure, expansion of XRP's role in cross-border settlements, favorable regulatory clarity, and a broader altcoin bull market. Under such a scenario, the AI suggested a more realistic 2026 target would be $5-$7, with $10 representing the upper extreme of a bull-case scenario, estimating the actual odds of hitting double digits in 2026 at around 20%.
Separate reports have highlighted that these ChatGPT-linked predictions lack primary source validation. There is no confirmation from Ripple leadership, such as Brad Garlinghouse or David Schwartz, or from official cryptocurrency platforms. The claims appear to originate from secondary reporting and are unsupported by market data or endorsements from key industry figures, underscoring the risks of speculation based on unverified forecasts.
