ChatGPT Values XRP at $1.35, Below Its Current Price

Veteran trader Peter Brandt has labeled XRP a "fool coin," questioning its investment value, while ChatGPT offers a more balanced view, setting XRP's fair value at $1.35, about 9% below its current price of $1.48 as of October 3, 2026. ChatGPT argues that while banks use XRP as a bridge asset for international payments, they hold it only briefly, meaning heavy network usage doesn't necessarily boost token price. It estimates only 25% of XRP's market value stems from visible ledger activities, with the rest tied to future adoption expectations. XRP peaked near $3.65 in July 2025 and has since fallen about 60%, trading between $1.25 and $1.66 in September. ChatGPT projects XRP could reach $1.80 by end-2027 if Swift's ledger dominates, or $4.25 if Ripple's networks lead, though it acknowledges these scenarios are speculative.