XRP ended the third quarter of 2026 up 48%, reaching its highest performance in four years. Cumulative inflows into spot XRP exchange-traded funds (ETFs) in the US have surpassed $1.79 billio
XRP ended the third quarter of 2026 up 48%, reaching its highest performance in four years. Cumulative inflows into spot XRP exchange-traded funds (ETFs) in the US have surpassed $1.79 billion, contributing to a renewed focus on the cryptocurrency. The Ripple Swell conference, an annual event seen as a key driver for the network, is set to take place in the final week of October.
In response to heightened market interest, the natural language AI tool ChatGPT was asked to forecast XRP’s price on October 31, 2026. Taking into account technical analysis, market sentiment, supply movements, and known upcoming events, ChatGPT delivered several price scenarios weighted toward a bullish outcome.
The AI presented a base-case target of $1.85 for XRP, describing it as the most probable scenario if current conditions continue. Entering October, XRP traded around $1.49 and posted strong quarterly gains. Nevertheless, the $1.54 to $1.60 range remained a challenging resistance zone, impeding further upward movement.
ChatGPT’s analysis cited sustained buying pressure through US-listed spot XRP ETFs and highlighted that approximately 1.6 billion XRP tokens left crypto exchanges within two weeks. The AI suggested this withdrawal could tighten circulating supply, potentially supporting price strength if demand continues.
Scenario Price Range Key Condition Bear case $1.15 to $1.35 XRP loses support at $1.45, weak global market Base case $1.75 to $1.95 ETF demand, stable market, positive Swell outcome Bull case $2.20 to $2.60 Strong breakout above $1.70, accelerating ETF inflowsA significant portion of the AI’s projection focused on Ripple Swell, Ripple’s flagship conference and networking event aimed at fostering payment innovations and driving institutional adoption of XRP. This year’s event is scheduled for October 27 to 29 in the days leading up to the forecasted date, and it will host approximately 1,500 leaders from financial, crypto, and academic sectors.
ChatGPT described the Swell conference as a potential catalyst for major news relating to payment networks, tokenization initiatives, new institutional partnerships, and broader utility for XRP.
The conference’s timing, shortly before the October 31 target, was identified as strategically important. The AI anticipates that a high-profile announcement or developments around the XRP Ledger could influence investor sentiment and price movement during this period.
Mini dictionary: Ripple Swell, an annual conference hosted by Ripple, brings together financial institutions, partners, and technology experts to discuss innovations, strategic partnerships, and the advancement of blockchain-based payments.
The AI’s scenarios included a bear case where XRP could dip to between $1.15 and $1.35 if it loses key support at $1.45, especially if the broader crypto market faces downward pressure, such as from the Federal Reserve’s upcoming October 27–28 meeting. Conversely, a decisive rally above $1.60 to $1.70, combined with stronger market momentum and faster ETF inflows, was viewed as paving the way for a bullish outcome, with prices potentially landing between $2.20 and $2.60.
ChatGPT cited the $1.60 to $1.70 band as a pivotal resistance zone, with any sustained move above it expected to materially alter the asset’s price structure. In the base case, the AI model forecasted $1.75 to $1.95, relying on continued ETF demand and a constructive Swell outcome.
ChatGPT expects the Ripple Swell conference, scheduled for October 27 to 29, to serve as a catalyst for industry news and institutional interest. The AI forecasts a base-case XRP price of $1.85 by October 31, 2026, provided market support remains steady and there is a positive reaction to the event.
Overall, analysts remain attentive to upcoming developments, with many considering institutional flows and major industry events as critical factors that will shape XRP’s trajectory through the remainder of 2026.
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