Here’s Where XRP Could Trade by December 2025

AI chatbots Google Gemini and ChatGPT predict XRP price for December 2025, considering the bullish developments awaiting XRP and Ripple. Potential Bullish Developments for XRP and Ripple For context, the coming months could bring important developments for Ripple and XRP. Specifically, one of the biggest potential drivers is the approval of XRP spot exchange-traded funds in the U.S. Polymarket now sees a 91% chance that regulators will approve at least one by the end of the year.

Meanwhile, another important development is Ripple's push to secure a U.S. national bank charter . For context, the company filed its application in July, and the Office of the Comptroller of the Currency could deliver a decision by late October.  Moreover, Ripple continues to expand globally. Just recently, it partnered with Chipper Cash, VALR, and Yellow Card in Africa to improve cross-border payments using RLUSD, its dollar-backed stablecoin. RLUSD adoption is also growing, with its market cap recently crossing the $700 million mark, and Ripple has plans to continue promoting its adoption across the board. These moves strengthen XRP's utility since some of RLUSD transactions flow through the XRP Ledger. ChatGPT and Google Gemini Predict XRP Price by Dec 2025 Amid these potential developments, XRP trades at $2.80, with a market cap of $166.9 billion. With these changes on the horizon, it remains to be seen how high XRP could climb if the pieces fall into place. As a result, we asked ChatGPT from OpenAI and Google Gemini for their bullish predictions on XRP's price by December 2025. Responding, ChatGPT presented several scenarios. It noted that when Bitcoin and Ethereum received their ETF approvals, their prices jumped 60% and 42%, respectively. Many expect XRP could follow the same path or possibly outperform. According to ChatGPT, in a conservative case, where ETFs get approval, but the bank charter faces delays, XRP could reach $5 to $7, which would mean an 80 to 150% jump from its current price.

However, if both ETFs and the bank charter gain approval, and RLUSD adoption keeps building, ChatGPT expects XRP could push into the $10 to $15 range, lifting its market cap toward $600 billion.  Nonetheless, in a highly optimistic scenario where institutional and retail money flood in, ChatGPT even sees a path for XRP to break above $20 during a euphoric rally. Meanwhile, Google Gemini had a more restrained outlook. It suggested that ETF approval alone could lift XRP by 60% to $4.48.  If Ripple also secures its bank charter, Gemini believes another 20 to 25% upside is possible, which would place XRP between $5.38 and $5.60. With continued partnerships and growing RLUSD adoption, Gemini predicts a final year-end range of $5.65 to $6.16.

However, it is important to note that these are all hypothetical price assessments. Notably, there is no guarantee that these developments would materialize, and even if they do, XRP's potential price reaction remains largely uncertain.