OpenAI's artificial intelligence model ChatGPT has projected that XRP could firmly establish itself above the $1.50 level by the end of October, forecasting that the cryptocurrency could reach $1.68 by October 31, 2026, representing a gain of roughly 12% from its current price of $1.50. Because the projection comes from a large language model rather than a professional analyst, it functions as a scenario exercise in which the model weighs multiple possible outcomes instead of issuing a single point estimate.

The outlook comes as XRP balances strong ETF demand and whale accumulation against resistance near the $1.70 level. Investors are also monitoring the impact of Ripple's latest release of 1 billion XRP from escrow, part of the monthly unlock schedule Ripple established when it locked a large share of the token's supply in escrow in 2017, with unused amounts typically returned to escrow. Broader cryptocurrency market sentiment remains an additional variable in the setup.

Scenario probabilities

ChatGPT assigned a 50% probability to XRP trading between $1.55 and $1.75 by October 31. A bullish scenario, carrying a 25% probability, would see the asset rise to between $1.80 and $2.05, while a bearish outcome, also weighted at 25%, could push XRP back into the $1.25 to $1.40 range.

Taking both bullish and bearish factors into account, the model expects XRP to spend much of October trading between $1.45 and $1.70 before attempting a breakout later in the month. Its price targets include a bear-case of $1.32, a base-case of $1.68, and a bull-case of $1.95.

Bullish catalysts

ChatGPT identified several bullish catalysts for XRP, including nearly $1.7 billion in cumulative ETF inflows, continued whale accumulation, rising XRP Ledger activity, growth of the RLUSD stablecoin, and increasing tokenization on the network. The ETF figures reflect how spot XRP funds have opened the token to investors who gain exposure through conventional brokerage accounts rather than crypto exchanges, while RLUSD is Ripple's dollar-backed stablecoin, whose adoption serves as an on-chain activity gauge. The XRP Ledger has supported issued assets since its launch, giving tokenization efforts an existing technical foundation.

The model also noted that Ripple's Swell conference, taking place in late October, could provide additional momentum, although historically weak October seasonality remains a risk. Swell is Ripple's annual conference for its payments and digital asset community, and such events are often watched for product and partnership announcements.

Technical picture

By press time, XRP was trading at $1.50, up about 1% over the past 24 hours but down 2.5% across the previous week.

a technical perspective, the token's setup remains constructive. XRP is trading above both its 50-day simple moving average (SMA) of $1.39 and its 200-day SMA of $1.28, suggesting the broader trend remains bullish as buyers continue to defend higher price levels and the asset holds above key support zones.

Meanwhile, the 14-day Relative Strength Index (RSI) stands at 55.42, placing the asset in neutral territory. The reading indicates XRP is neither overbought nor oversold, leaving room for additional upside without signaling excessive market exuberance.

Beyond the chart, the variables that will test the model's scenario range are already in play: whether ETF inflows continue at their recent pace, how the market absorbs the latest escrow release, whether whale accumulation persists, and if XRP can clear the resistance zone near $1.70. As with any model-generated forecast, these scenarios are illustrative rather than guarantees, and nothing in this article constitutes investment advice.