Partially on the back of positive developments for Ripple Labs, XRP has enjoyed a temporary 30% rally – followed by a partial correction that saw it decline 7.48% in the last 24 hours – at the very beginning of 2026, prompting Finbold to consult ChatGPT about where the token’s price might stand on January 31.
Spot XRP ETFs also recorded their first daily net outflow of $40.8 million on January 7, ending a 55-day streak of uninterrupted inflows since their November 13, 2025, launch, arguably triggering the latest downturn and presenting an opportune moment for a ChatGPT prediction.
The advanced artificial intelligence (AI) of the large language model (LLM) was quick to note the recent cryptocurrency market volatility, but also several key bullish drivers.
ChatGPT sets XRP price target for the end of January
The AI opted for a somewhat conservative prediction for January 31, 2026, as it identified $2.15 as the most plausible target – slightly above the press time levels of $2.08, but also below the recent highs.
According to ChatGPT, such a level fits best into a model that assumes no major shocks and is in line with what the LLM described as XRP’s tendency to ‘grind rather than explode.’
Elsewhere, the AI was also consulted on a more long-term price prediction for the year. Within the whole-year time frame, ChatGPT proved somewhat more positive, as it estimated the token will more than double to approximately $5.
In a nutshell, the model explained that the prediction is largely based on the recent positivity in the cryptocurrency market, as well as on the positive developments pertaining to XRP itself, explicitly describing the price target as ‘not a moonshot, not conservative — a credible bull-cycle outcome.’
Why XRP might break out in January
While ChatGPT is estimating the cryptocurrency market will remain relatively calm for the foreseeable future, XRP itself received bullish news recently, and the entire digital assets sector could soon face a significant catalyst.
On the one hand, Ripple president Monica Long confirmed on January 6 that the company is not preparing an initial public offering (IPO) as it feels it has sufficient institutional backing to remain private and focus on further developing its business.
On the other hand, the entire cryptocurrency market could soon benefit from significantly greater regulatory clarity as the U.S. Congress is scheduled to hold a hearing on a sweeping framework for digital assets within the country.
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