After spending years struggling to meaningfully break above the $0.50 mark, the market-wide cryptocurrency bull run that ignited in November saw an immense increase in XRP price.
To be more precise, on November 5, when U.S. citizens cast their ballots in the 2024 presidential election, the digital asset was changing hands for $0.51. By January 17, it had reached a new all-time high (ATH) price of $3.31 — a figure equating to a 549.01% increase.
Then, progress stalled out — until President Trump’s tariff rampage caused a risk asset selloff in early February. The high-flying cryptocurrency saw prices drop to as low as $2.15. By press time on February 11, XRP was trading at $2.47, bringing year-to-date (YTD) returns up to 16.12%.
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For a clearer overview of the situation going forward, Finbold has decided to consult DeepSeek, also available via Finbold’s own AI price prediction tool, on which price XRP could be trading at by the end of the year.
DeepSeek identifies key XRP price drivers
When prompted, the Chinese artificial intelligence (AI) model first highlighted the key factors at play.
Interestingly, the first two catalysts it mentioned were recent developments. The first was the recent CoinShares filing for an XRP and Litecoin (LTC) exchange-traded fund (ETF) with the NASDAQ exchange — with the AI model referencing the price increases other cryptocurrencies, like Bitcoin (BTC), have seen in the wake of the approval of their own ETFs.
The second factor specified by DeepSeek was the potential resolution of Ripple Labs’ longstanding lawsuit with the Securities and Exchange Commission (SEC). With the resignation of former SEC chair Gary Gensler, who was largely seen as an anti-crypto figure, a positive resolution for XRP is increasingly likely.
To boot, the SEC and Binance have recently requested a 60-day pause in their legal battle — signaling that a softer stance might be taking root within the commission.
Finally, the AI model reflected on positive market sentiment and the increasing adoption of XRP as a method of cross-border payment as two additional key drivers.
DeepSeek predicts the price of XRP for December 31, 2025
With the key factors highlighted, DeepSeek laid out three cases for XRP going forward. In the bull case, which assumes that the XRP ETF will be approved relatively soon and that the SEC lawsuit is favorably settled, DeepSeek sees XRP reaching a price of $8.50 to $10. That range would represent a 244.12% to 304.85% upside.
On the other hand, the model’s neutral outlook, which is based on steady growth conditions, moderate adoption gains, and no major regulatory hurdles, sees XRP reaching prices between $6 and $8 by the end of the year. At the lower end of this range, this would imply a 142.91% increase — at the higher end, it implies a 223.88% increase.
Lastly, the model’s third case is bearish — and proposes broader market downturns and regulatory setbacks. It too would imply growth — albeit at a slower pace, with the AI model setting a $4 to $5 XRP price target in these less-than-ideal conditions, which would still represent a 61.94% to 102.42% increase from current prices.
However, once all is said and done, DeepSeek opined that the bull case is the likeliest outcome — and doubled down on its $8.50 to $10 prediction.
The output of AI models — even those as advanced as DeepSeek, cannot serve as a reliable predictor of market outcomes. Still, the reasoning appears sound — and to its credit, DeepSeek also cautioned that regulatory developments, macro factors, and volatility could impact the price that XRP will reach by December 31, 2025.
Featured image via Shutterstock
