An artificial intelligence (AI) model has issued several price forecasts for XRP after it emerged that Ripple is planning to establish a treasury for the cryptocurrency.
Notably, Ripple aims to raise at least $1 billion through a special purpose acquisition company (SPAC) to fund the new XRP treasury, which will also be partially backed by its own holdings.
The move represents one of Ripple’s most ambitious efforts to boost XRP’s liquidity and investor confidence, though the treasury’s size may influence sentiment more than it sparks an immediate price surge.
XRP price prediction
Regarding the potential impact on price, Finbold turned to OpenAI ChatGPT, which estimated that XRP could reach between $3.30 and $3.60 within the next 6 to 12 months if the treasury formation goes as planned and market sentiment remains supportive.
Looking further ahead, the AI projects that in 12 to 24 months, assuming broader adoption and a favorable crypto bull cycle, XRP could climb to between $4 and $5.

However, the AI cautioned against overly bullish expectations, noting that a dramatic surge to $20 or higher would likely require major additional catalysts, such as ETF approvals, large-scale banking adoption, or significant regulatory breakthroughs.
The prediction highlighted key factors that could shape XRP’s trajectory, including the speed of the SPAC’s formation, the transparency of treasury disclosures, and broader crypto market conditions. If the treasury buys XRP aggressively, ChatGPT warned that reduced liquidity could trigger short-term price spikes but also increase volatility risks.
XRP price analysis
Meanwhile, the outlook comes as XRP faces increased bearish sentiment, reflecting broader market trends. By press time, the token was trading at $2.39, having rallied about 4% in the past 24 hours, though it remains down 3.5% on the weekly timeframe.

From a technical perspective, XRP is showing weakness below both its 50-day simple moving average (SMA) of $2.85 and its 200-day SMA of $2.62, signaling a sustained bearish trend. The short-term moving average sitting well above the current price suggests downward momentum remains strong, with buyers struggling to regain control.
Meanwhile, the 14-day Relative Strength Index (RSI) at 30.25 indicates that XRP is hovering near oversold territory but still considered neutral, hinting that selling pressure may be easing slightly.
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