AI Predicts Major XRP Price Surge After ETF Approval

With the long-running legal battle between Ripple and the Securities and Exchange Commission (SEC) now concluded, the crypto community's attention is firmly fixed on the regulator for the next big catalyst: a potential spot XRP exchange-traded fund (ETF).

All Eyes on the SEC for a Spot XRP ETF

A critical decision window is approaching in October, as the SEC is slated to review and decide on multiple spot XRP ETF applications. Filings from major financial players like Grayscale, 21Shares, Bitwise, Canary Capital, WisdomTree, Franklin Templeton, and CoinShares are all on the table. The deadlines for these applications are clustered between October 18 and October 25, 2025, setting the stage for a week that could dramatically alter XRP's market direction.

While the market waits, XRP has been trading in tandem with the broader cryptocurrency market, holding the $3 level as a key support zone. At the time of writing, the digital asset was valued at approximately $3.02, showing a slight decrease over the last 24 hours and a more noticeable 3% dip on its weekly chart.

ChatGPT-5 Predicts Potential XRP Price Scenarios

To get a sense of the potential price impact of an SEC decision, we turned to OpenAI's advanced model, ChatGPT-5. The AI emphasized that an approval could ignite a significant rally for the cryptocurrency by the end of the year.

According to ChatGPT-5's analysis, if at least one spot XRP ETF gets the green light, the asset's price could surge into a $7 to $10 range by December 2025. In a more bullish scenario driven by strong institutional demand and a wider altcoin market rally, the AI projects a potential peak between $12 and $15 before the year concludes.

However, the model also presented a more cautious outcome, warning of a potential “sell the news” event, a phenomenon seen after other major crypto product launches. In this case, XRP might briefly spike above $10 in November only to retrace and settle into a $6 to $8 range by December.

In the event of a delay or outright rejection by the SEC, ChatGPT-5 predicts a much more subdued future for XRP. Its price would likely continue to mirror the general crypto market, with a year-end target closer to the $4.50 to $5 range.

XRPs Institutional Gateway Moment

With spot Bitcoin (BTC) and Ethereum (ETH) ETFs already trading, the approval of an XRP product is seen as a pivotal next step. ChatGPT-5 noted that XRP is now positioned to become the next major gateway for institutional capital to enter the digital asset space, making the upcoming SEC decision a crucial moment for both the asset and the broader market.