Paul L.
Paul L.
Cryptocurrency
Dec 14, 2025
#XRP exchange-traded funds (ETF) are posting one of the fastest adoption rates seen in the cryptocurrency #ETF market, with cumulative inflows nearing $1 billion within just three to four weeks of launch.
The pace exceeds early inflow trends recorded by Bitcoin (BTC) and Ethereum (ETH) ETFs, signaling strong institutional appetite for XRP-linked investment products.
Flow data shows inflows have remained consistently positive, with no notable net outflows reported so far.
Meanwhile, XRP has continued to trade near the $2 level, a key psychological zone. However, the asset has been weighed down by the broader cryptocurrency market downturn.
XRP spot ETF overview. Source: XRP Insights
XRP price prediction
With the first $1 billion effectively confirmed, attention has shifted to the next potential milestone of $10 billion. In this context, Finbold sought insights from OpenAI’s ChatGPT, which outlined several pricing scenarios.
Notably, ChatGPT’s price modeling suggests XRP could undergo a substantial repricing if cumulative ETF inflows reach $10 billion. In a base-case scenario, ChatGPT projects XRP trading between $4.50 and $6.
At that scale, ETF holdings would likely absorb an estimated 20 to 30% of XRP’s effective liquid supply, materially reducing sell-side pressure as tokens are locked into long-term custodial vehicles.
The projection draws on demand dynamics observed during the early stages of Bitcoin and Ethereum ETF adoption, where prices expanded by roughly two to three times after inflows crossed major psychological thresholds. If XRP is trading in the $2 to $2.50 range as inflows accelerate, a similar twofold to two-and-a-half-fold repricing is viewed as structurally reasonable.
ChatGPT’s more optimistic outlook places XRP in the $7 to $9 range, contingent on sustained net inflows, declining exchange balances, and a broadly risk-on crypto market. Under these conditions, XRP could enter price discovery, with ETF-driven demand amplified by momentum trading and supply-shock effects.
XRP conservative target
A more conservative scenario still points to appreciation, with ChatGPT estimating a range of $3.20 to $3.80 if whale distribution offsets ETF accumulation or if inflows slow after the initial surge. Even in this case, ETF demand at the $10 billion level would likely support XRP above prior cycle highs.
According to ChatGPT’s analysis, ETF inflows do not linearly move prices. The most significant repricing typically occurs between $3 billion and $8 billion in cumulative inflows, when markets begin to recognize a structural shift in available supply. By the time $10 billion is reached, expectations of future inflows often become the dominant price driver.
XRP price prediction. Source: ChatGPT
Based on these factors, ChatGPT’s final projection places XRP around $5.25 if ETF inflows reach $10 billion, with volatility likely keeping prices within a broader $4.50 to $6.50 range under normal market conditions.
Featured image via Shutterstock
Best Crypto Exchange for Intermediate Traders and Investors
Invest in cryptocurrencies and 3,000+ other assets including stocks and precious metals.
0% commission on stocks - buy in bulk or just a fraction from as little as $10. Other fees apply. For more information, visit etoro.com/trading/fees.
Copy top-performing traders in real time, automatically.
eToro USA is registered with FINRA for securities trading.
logo
30+ million
Users worldwide
Get Started
eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
Finbold Career
Join Finbold's newsroom, become a crypto reporter today!
Apply now to join Finbold as a crypto/finance news writer!
Open Positions
Latest posts
Stocks
Investment strategist names 10 sub-$10 billion stocks to watch in 2026
Stocks
CEO resignation sends this Michael Burry stock rocketing
Finance
You’d be 700% in profit if you invested in this cheap crypto in 2025 instead of Bitcoin
Finance
ChatGPT issues warning on 2 stock sectors to avoid in 2026
Finance Digest
Email address
Subscribe
By subscribing you agree with Finbold T&C’s & Privacy Policy
Related posts
Stocks
Investment strategist names 10 sub-$10 billion stocks to watch in 2026
Stocks
CEO resignation sends this Michael Burry stock rocketing
Stocks
Analysts set Campbell's stock price target
Stocks
Here’s how much SpaceX stock would be worth in IPO
Paul
Paul
Cryptocurrency
Dec 14, 2025
