The nearly five-year legal battle between Ripple and the U.S. SEC is officially over, and attention has now turned to XRP price potential. For context, the news of the case closure came on Thursday after the SEC and Ripple officially filed a motion to dismiss their appeals. Ripple’s Chief Legal Officer confirmed that the company is now back to focusing on business expansion. The effect of this news on XRP has been significant. The coin has surged over 12% in the past day, currently trading at $3.35. Now, the discussion in the XRP community is shifting to how high the coin could realistically go. “XRP Path to $5 Within Reach” Both AI models see $5 as a realistic short-term target, potentially achievable by late 2025 or early 2026. This outlook aligns with previous predictions from Aaron Arnold, host of Altcoin Daily. Notably, the AI tools identified additional factors that could drive XRP to $4 and beyond, including fresh liquidity, institutional inflows, and a strong altcoin cycle in which Bitcoin’s dominance declines. Bitcoin’s dominance has already dropped by 6.55% over the past month, which may explain XRP’s outperformance relative to BTC during this time. Moreover, the chatbots suggested that XRP breaking past its 2018 all-time high of $3.84 would create renewed optimism in the market. Will XRP Progress to $10? Notably, reaching $10 would require a market cap of roughly $600 billion, a massive leap from XRP’s current valuation of $198 billion. According to the AI models, one of the key conditions for XRP to reach this level is widespread adoption of Ripple Payments by global banks and remittance firms. Just yesterday, Ripple disclosed its acquisition of Rail for $200 million to strengthen its position in global stablecoin payments. This move follows Ripple’s partnership with BNY, the oldest U.S. bank, for the custody of its RLUSD stablecoin. It aims to enhance institutional trust and bridge traditional and decentralized finance. Meanwhile, ChatGPT and Grok also noted that sustained ETF inflows, similar to Ethereum’s $5 billion in July, could bolster XRP’s path to $10. Notably, XRP ETFs are still under review. They added that strategic global partnerships, such as with SBI Japan (which already uses XRP for transactions), will further add to the token’s momentum. Notably, AI estimates suggest XRP could reach $10 between 2028 and 2030. They also noted it could happen sooner in the case of an altcoin supercycle supported by strong institutional interest. $20: The Moonshot Scenario Meanwhile, at $20, XRP’s market cap would surpass $1.2 trillion, making it one of the most valuable assets in the world. According to ChatGPT, reaching this level would require near-universal adoption for cross-border settlement, rivaling SWIFT in major financial corridors. ChatGPT commentary on XRP reaching $20 Recall that Ripple CEO Brad Garlinghouse has stated the XRP Ledger could capture up to 14% of SWIFT’s transaction volume within five years. Furthermore, the AI models suggested that mass tokenization on the XRP Ledger, potentially capturing part of the estimated $50 trillion tokenized asset market by 2030, could further strengthen XRP’s case for a $20 valuation. Lastly, they cited uninterrupted bullish market conditions and global regulatory clarity as essential. A growing number of industry leaders have already said that the era of traditional bear markets may be coming to an end. Probability Scores for $5, $10, and $20 XRP Prices While possible, Elon Musk’s Grok assigns only a 20–30% probability of XRP hitting $20 by 2030. However, for a $5 XRP, Grok sees a 70–80% probability in the next major bull run. As for $10, it gives a 40–50% probability, particularly if Ripple achieves large-scale adoption. Groks analysis of XRP reaching $5 $10 and $20 Ultimately, with the SEC case now behind it, XRP has removed one of its biggest barriers. Eyes are now on how high the coin could go.