AI Solutions Are More Optimistic for XRP Than Standard Chartered in 2026

• Standard Chartered has revised its XRP 2026 prediction to $2.8.
• AI models predict higher targets for XRP than Standard Chartered.
• Regulation, ETF flows, and institutional adoption form the basis for AI models XRP forecast.

XRP is about to finish its fifth consecutive bearish month, unless something exceptional happens within the next 48 hours. Trading at $1.4490 at press time on TradingView indicates the cryptocurrency has experienced a 60% net pullback from a high of $3.6662 achieved in July 2025.

This year alone, XRP has declined approximately 40% after an initial rally that saw the digital asset hit a high of $2.1468 in the first week of January. Ever since, bearish pressure has overwhelmed XRP, causing crypto analysis platforms such as Standard Chartered to lower their expectations for the digital asset and slash the 2026 XRP price prediction from $8.0 to $2.8.

According to their latest report, Geoffrey Kendrick, Standard Chartereds head of digital research, cited ETF outflows, tighter Fed policy, and bearish market sentiment as reasons behind the target revision.

In the meantime, AI models appear more optimistic regarding potential XRP targets for 2026. Queries sent to AI chatbots returned more positive predictions for XRP, as indicated in the following section of this article.

ChatGPT

ChatGPT expects XRP to achieve approximately double the target set by Standard Chartered. According to the AI solution, adoption, regulatory clarity, and ETF flows could gather pace, sending the cryptocurrency on a rally. ChatGPTs bullish outlook sets a $5.0-$8.0 target for XRP by the end of 2026.

However, the AI solution considered a moderate scenario characterized by gradual adoption and some macro tailwinds, predicting an alternative target of $3.0-$6.0. It is worth noting that, even at a moderate angle, ChatGPT‘s XRP target is higher than the revised version of Standard Chartered’s prediction.

Grok

Grok, the xAI chatbot, thinks XRP has the potential to reach $3.5-$6.0, with a midpoint around $4.5-$5.0. According to Grok, these targets are only possible if key catalysts, such as renewed institutional flows, positive Ripple ecosystem outcomes, and regulatory developments, align.

In the meantime, Grok highlighted XRP‘s current volatility, making it difficult to determine a particular direction for the cryptocurrency’s trend. According to the chatbot, XRP could easily overshoot toward $8 if bullish momentum returns to the crypto market.

Google Gemini

The Google Gemini AI noted that XRP is currently in a period of recalibration following the conclusion of the Ripple vs. SEC lawsuit in August 2025. The AI chatbot also highlighted some unrealistic targets, including opinions suggesting that XRPs price could reach $100 in 2026.

However, Google Geminis prediction was direct and brief, citing multiple factors, including the above-mentioned lawsuit resolution, ETF momentum, and institutional XRP utility. The chatbot summarized its prediction by stating that XRP will end 2026 between the $3.0 and $5.0 target.