Now that XRP ETFs are open and analysts foresee a significant rally for the altcoin in 2026, will we see it reach a new ATH in January? ChatGPT provides its probabilities.

An ATH for XRP?

ChatGPT-5 estimates a low to moderate probability that XRP will reach a new ATH around $3.8 by the end of January 2026, representing an increase of 80 to 90% from its current price of $2.06.

This projection is based on recent ETF flows and market dynamics, but January seems ambitious without sustained massive inflows. XRP spot ETFs have already recorded 13 consecutive days of positive inflows, approaching one billion dollars, with net flows increasing on 9 of the last 10 sessions according to institutional data.

Reaching 80% in a month requires net ETF flows of several billion or a widespread altcoin season, which historical mechanisms make demanding. Experts have already announced this phenomenon, but have not provided a launch date at the beginning of the year.

Net unit creations over several weeks generate a lasting price effect, but an initial rally fades without persistence, as seen with other assets during ETF launches. Additionally, Ripple's monthly crypto vesting could hinder the movement, while the token struggles to rise despite the company's efforts.

Taking all these elements into account, ChatGPT-5 outlines five possible scenarios for the future, with varying degrees of probability:

  1. An ATH as early as January: inflows into ETFs accelerate and the altcoin season triggers (12%);

  2. A strong rise without an ATH: irregular inflows, XRP struggles to surpass its resistances around $3.60 (33%);

  3. A consolidation: stable modest flows and compressed volatility (32%);

  4. Sell the news: a new announcement regarding ETFs reignites the hype for a short time, volumes down (18%);

  5. A relapse: a new crash triggers on the market (5%).

AI leans towards a baseline scenario without exceptional ETF flow sequences despite a bullish market. In this case, there would be no ATH in January 2026 but rather during the first quarter of the year.

The moral of the story: those who want to climb high with XRP must first learn to dance with the flows.

#ETF #XRP