AI Predicts XRP Price as Ripple Completes Its 2026 Token Unlocks

ChatGPT’s XRP Price Prediction Covers Bearish, Base-Case and Bullish Scenarios

ChatGPT outlined a three-part price outlook for XRP, with a bearish scenario placing the token between $1.20 and $1.35. Its base-case forecast sets a range of $1.60 to $1.90, while the bullish scenario projects XRP could reach between $2.20 and $2.80.

The forecast assumes Ripple continues its current re-escrow strategy, in which most unlocked XRP is returned to escrow instead of entering circulation. Based on recent trends, approximately 2.1 billion XRP of the expected 3 billion XRP gross release could be re-escrowed. That would leave roughly 900 million XRP as net new supply after the final 2026 unlock cycle is completed.

The projected net supply increase of approximately 900 million XRP would represent less than 1% of XRP’s total 100 billion-token supply. The forecast also assumes that institutional demand, XRP investment products and continued whale accumulation will help absorb the additional tokens entering the market.

Ripple’s XRP Escrow Schedule Could Extend Through 2035

Ripple locked 55 billion XRP into escrow in 2017 and established a schedule allowing the release of up to 1 billion XRP each month. However, Ripple generally re-escrows most of the tokens released under that schedule.

In recent months, Ripple has re-locked approximately 700 million to 800 million XRP per month while retaining between 200 million and 300 million XRP for operational and liquidity purposes. This approach has significantly extended the original timeline for releasing the escrowed supply.

An estimated 32 billion XRP remains in escrow. With net releases averaging approximately 300 million XRP per month, the remaining balance could take roughly nine years to deplete, potentially extending Ripple’s escrow program until 2035.

XRP Price Analysis and Technical Levels

At press time, XRP was trading at $1.52, down 1.69% over the previous seven days, although broader market sentiment remained bullish.

XRP continued to trade above its key moving averages. The token’s 50-day simple moving average stood at $1.34, while its 200-day simple moving average was at $1.28. XRP’s relative strength index was 56.64, pointing to neutral momentum and leaving room for further gains.

With the technical indicators holding firm and overall sentiment remaining positive, traders will be watching whether XRP can build enough momentum to reclaim the $1.60 level in the coming days.

Why This Matters

Ripple’s re-escrow activity is central to the XRP supply outlook because it limits the amount of unlocked XRP that enters circulation each month. If the company continues returning most released tokens to escrow, the net increase in circulating supply could remain relatively small compared with XRP’s total supply.

The price scenarios also depend on whether institutional demand, XRP investment products and whale accumulation can absorb the additional tokens that do reach the market. The projected continuation of the escrow program until potentially 2035 means future XRP supply conditions may remain closely tied to Ripple’s monthly release and re-locking decisions.

Frequently Asked Questions

What is ChatGPT’s XRP price prediction?

ChatGPT outlined a bearish XRP range of $1.20 to $1.35, a base-case range of $1.60 to $1.90, and a bullish range of $2.20 to $2.80.

How much XRP could enter circulation after the final 2026 unlock cycle?

Approximately 900 million XRP could enter circulation as net new supply if Ripple re-escrows about 2.1 billion XRP from the expected 3 billion XRP gross release.

How long could Ripple’s XRP escrow program continue?

With an estimated 32 billion XRP remaining in escrow and net releases averaging about 300 million XRP per month, the balance could take roughly nine years to deplete, potentially extending the program until 2035.