XRP's spot trading ETFs are recording one of the fastest adoption rates seen in the cryptocurrency ETF market, with cumulative flows approaching $1 billion within just three to four weeks of launch.
This pace exceeds the early flow trends recorded by Bitcoin (BTC) and Ethereum (ETH) ETFs, indicating a strong institutional appetite for investment products linked to XRP.
Flow data shows that incoming flows have remained consistently positive, with no significant net outflows recorded so far.
At the same time, XRP continued to trade near the $2 level, which is a key psychological area. However, the asset was affected by a decline in the broader cryptocurrency market.
## Overview of XRP Spot ETF
## XRP Price Prediction
With the first billion dollars confirmed, attention shifted to the next potential milestone of $10 billion. In this context, Finbold consulted insights from OpenAI's ChatGPT, which identified several pricing scenarios.
Notably, ChatGPT's pricing model suggests that XRP may undergo significant repricing if cumulative ETF flows reach $10 billion. In the base case scenario, ChatGPT expects XRP to trade between $4.50 and $6.
At that level, ETF holdings are likely to absorb an estimated 20 to 30% of XRP's effective liquid supply, materially reducing selling pressure as tokens are locked in long-term custody vehicles.
The prediction is based on the observed demand dynamics during the early stages of Bitcoin and Ethereum ETF adoption, where prices expanded by about two to three times after flows exceeded key psychological thresholds. If XRP trades in the range of $2 to $2.50 with accelerating flows, a similar repricing of two to two and a half times is structurally reasonable.
ChatGPT's most optimistic prediction places XRP in the range of $7 to $9, conditioned on the continued inflow of net flows, a decrease in exchange balances, and a positively risked general cryptocurrency market. Under these conditions, XRP may enter a price discovery phase, with ETF-driven demand amplified through momentum trading and supply shock effects.
## Target Price for XRP
A more conservative scenario points to a rise, with ChatGPT estimating a range of $3.20 to $3.80 if whale distribution compensates for ETF accumulation or if flows slow down after the initial rush. Even in this case, ETF demand is likely to support XRP above the previous cycle's highs at the $10 billion level.
According to ChatGPT's analysis, ETF flows do not affect prices linearly. The most significant repricing typically occurs between $3 billion and $8 billion in cumulative flows, when markets start to recognize a structural shift in available supply. By the time it reaches $10 billion, expectations for future flows often become the main price driver.
## XRP Price Prediction
Based on these factors, ChatGPT's final prediction puts XRP around $5.25 if ETF flows reach $10 billion, with the possibility of prices remaining within a wider range of $4.50 to $6.50 under normal market conditions.
