Ripple’s possible approval to hold a Federal Reserve (Fed) master account could be the spark that pushes XRP into another major phase of upside momentum.
Fed Settlement AccessA major reason behind the optimism is that Fed access would allow Ripple to settle directly through those rails, rather than routing transactions through banks that currently act as middlemen.
Daodu suggested the process may already be moving toward reality. In March 2026, Kraken became the first crypto firm to receive a master account through the Federal Reserve Bank of Kansas City, which he cited as evidence that the approval pathway is no longer purely theoretical.
XRP Forecasts WatchAccording to Daodu, ChatGPT points to a measured recovery under base conditions. The model places XRP in a $2.50 to $3.00 range by August 2026, while also flagging $1.50 as a key level XRP needs to hold for the prediction to remain on track.
In a more bullish scenario—assuming ETF inflows and corridor growth accelerate meaningfully through the second half of the year—ChatGPT sees upside to $5.
Why $80 Could Happen By 2032?Claude’s outlook is described as more cautious, though it still leaves room for gains. The model’s base projection, Daodu said, calls for XRP to remain in the $1.35 to $1.65 range for the rest of 2026, with a 50% probability assigned to that outcome.
It leaves room for XRP to reach between $8 and $14 if ETF inflows exceed $10 billion and banking adoption accelerates. Still, Claude stresses that price alone cannot carry XRP to those levels; the market would need sustained demand drivers to support the move.
The foundation for that call is Ripple CEO Brad Garlinghouse’s projection that 30% of Ripple Treasury’s $13 trillion annual payment flow could move on-chain within five years. For 2026 specifically, the AI model targets price targets ranging from $6 to $10.
