Although there has been fresh interest from institutions, new XRP exchange traded funds (ETFs), and increased experimentation across different blockchains, XRP has seen a notable decline, dropping over 17% in the past month and facing challenges in regaining critical technical levels.
Currently trading just above $2, investors are grappling with a tough question: will XRP stage a recovery by the end of 2025, or have recent developments already been factored into its price?
To evaluate XRP’s potential price trajectory, Finbold consulted ChatGPT 5.2, OpenAI’s advanced language model, to predict XRP’s status by December 31, 2025. This assessment considers the current pricing trends, ETF inflows, institutional adoption through Ripple Payments, and ongoing technical challenges like declining trading volume and increased sell-off pressure from large holders.
XRP Price Shows Diminishing Momentum Amid Positive News
At the time of this analysis, XRP was valued at $2.04, marking a 1.8% increase over the past day but a decline of over 1% for the week. Over the longer term, the token has significantly underperformed, falling more than 16% in a month, despite growing attention around XRP ETFs.
XRP’s market cap is approximately $123.3 billion, with a daily increase of 1.75%. However, a more concerning indicator is the token’s 24-hour trading volume, which has plummeted to $2.82 billion—a nearly 28% drop in just one day, signaling weakening short-term confidence, particularly as the wider cryptocurrency market rose by 2.21% during the same timeframe.
Technical Analysis Reveals Resistance at Key Thresholds
From a technical perspective, XRP remains under significant pressure, trading below its 50-day exponential moving average (EMA) of around $2.16, which has consistently served as a resistance point in its recent upward attempts. The price action is confined within a descending channel, demonstrating lower highs that characterize the current trend. Previous rebounds have lacked momentum due to low trading volume and ongoing selling pressure.
Ripple Payments Adoption Enhances Long-Term Value Proposition
On the fundamental side, XRP is benefiting from ongoing advancements in institutional adoption. MINA Bank’s recent decision to adopt Ripple Payments allows for faster cross-border transactions and represents a significant move for Ripple’s infrastructure within regulated financial institutions. While this adoption supports XRP’s long-term valuation, it may not lead to rapid increases in price.
XRP Price Prediction for December 31, 2025
Considering the current market conditions, technical analysis, adoption trends, and liquidity factors, ChatGPT 5.2 forecasts that XRP could be valued at $2.28 by December 31, 2025. The expected price range is between $1.90 on the low end and $2.65 on the high end, with $2.28 as the central estimate.
This prediction hinges on the continued gradual increase in RippleNet usage, moderate growth of On-Demand Liquidity, and steady cryptocurrency market conditions. It also assumes that selling pressure from large holders will persist, limiting significant price surges. Under these circumstances, XRP is more likely to see slow increases rather than break into new all-time highs in the upcoming cycle.
