XRP is trading at $1.37 amid mounting catalysts that could propel its price toward $2.50 by the end of June 2026, according to a new prediction from Google’s Gemini AI. The AI model points to two concrete events that landed in mid-May but have yet to be fully priced in: a US Executive Order fast-tracking Fed payment account reviews for non-bank digital asset firms, and SBI Holdings’ filing for Japan’s first spot XRP ETF. These developments directly accelerate the regulatory pathway for Ripple’s institutional partners and open a major demand channel from the world’s third-largest economy.
Gemini’s analysis emphasizes that these are not future catalysts waiting to unfold—they are structural milestones that are already shifting XRP’s narrative from speculative token to regulated global settlement layer. Institutional on-chain volume is accelerating, but the price has lagged behind. For the bullish target to materialize, XRP must first break through the stubborn $1.50–$1.55 resistance zone, which has rejected price four times since March. A clean daily close above $1.55 would open a path toward $1.80, with subsequent hurdles at the psychological $2.00 and the February bounce high near $2.40–$2.50. On the downside, failure to break resistance—especially if macroeconomic conditions deteriorate or ETF approvals encounter bureaucratic delays—could push the price back to support between $1.10 and $1.30, not far from its current level.
Meanwhile, a separate long-term model suggests an even more dramatic valuation: $589 per XRP, if the token becomes a core liquidity asset for high-value institutional settlement. This scenario assumes the XRP Ledger achieves delivery-versus-payment adoption at a layer comparable to the Depository Trust & Clearing Corporation (DTCC) and Continuous Linked Settlement (CLS), handling large, indivisible transactions worth $500 million to $10 billion each. The model projects $73 trillion in annual settlement volume passing through XRP across six corridors, including DTCC net settlement, SWIFT cross-border flows, and nostro displacement. Using an inverted square-root market impact law with a $2 billion ticket size, 5 basis points of slippage tolerance, and a liquid float of just 25 billion XRP (excluding escrowed, ETF-held, and inactive coins), the required market cap comes out to roughly $14.7 trillion. Dividing that by the liquid float yields the $589 figure. While the current circulating supply is about 61.82 billion XRP, the model depends on a much smaller portion being truly available for settlement liquidity. At press time, XRP remains at $1.37.
