Here’s How High XRP May Rise If It Secures ETFs from 20 Institutions with $4B in AUM
March 26, 2025
XRP ETF
AI chatbot ChatGPT predicts XRP price if the asset secures ETFs from 20 asset managers with a potential 4 billion XRP in cumulative AUM.
With the U.S. Securities and Exchange Commission (SEC) recently acknowledging 19b-4 filings for several XRP exchange-traded funds (ETFs), speculation about the launch of the investment products has grown.
The possibility of multiple financial institutions launching ETFs or exchange-traded products (ETPs) for XRP has triggered discussions on how institutional demand could impact its value. This rising interest has led some industry experts to assess the potential macroeconomic effects of such developments.
Potential Bullish Developments Around XRP
One such expert, Rob Cunningham, a seasoned researcher, recently raised several questions regarding the impact of 20 financial institutions launching XRP-based ETFs or ETPs in 2025.
He highlighted that if these firms each managed an average of $500 million in assets under management (AUM), they could collectively hold around 4 billion XRP tokens. This figure represents nearly 6.9% of the circulating supply, mirroring the institutional accumulation seen in Bitcoin ETFs.
Cunningham suggested that such large-scale adoption could lead to massive demand. Notably, such demand is capable of driving XRP’s price upward. The industry pundit highlighted multiple bullish developments that could also impact the XRP price.
He stressed that the regulatory atmosphere would be important when determining the direction of XRP’s market growth. He noted that regulatory clarity in the U.S. could increase institutional confidence and also encourage adoption.
The industry expert pointed to past instances where legal certainty led to institutional inflows. In this regard, the pundit pointed to the rapid growth of Bitcoin ETFs following SEC approval.
Meanwhile, Cunningham further speculated that the expiration of Ripple’s 1,700 non-disclosure agreements (NDAs) could reveal major financial partnerships, increasing demand for XRP-based products. According to him, he and other experts were to discuss these factors in an X Space session.
XRP Price Under These Conditions
However, to assess the potential price impact of these factors, we turned to ChatGPT. Before presenting its price prediction, the AI chatbot pointed out the potential impact of each of the bullish developments presented by Cunningham.
For instance, it stressed that if XRP ETFs receive the same level of institutional backing as Bitcoin ETFs, this could de-risk the asset for hedge funds, pension funds, and other major financial institutions.
It also highlighted the expansion of investment products, including XRP. Following the launch of institutional-grade ETFs, registered investment advisors, mutual funds, and brokers would be able to integrate XRP into traditional portfolios.
Interestingly, it says this will allow for retirement accounts, ETF-based derivatives, and broader media coverage, which historically have helped in boosting mainstream adoption. A steady increase in both retail and institutional interest could create a flywheel effect, bolstering demand.
ChatGPT also pointed out the potential impact of Ripple’s business developments. If the expiration of Ripple’s NDAs leads to announcements revealing partnerships with major financial institutions, this could lead to greater demand.
XRP Price Prediction | ChatGPT
The AI drew comparisons to how BlackRock’s Bitcoin ETF approval led to supply constraints and a sharp rally in Bitcoin’s price. A similar disclosure on XRP’s role in global financial settlements could create a strong network effect, leading to increased market participation.
Based on these considerations, ChatGPT projected several possible price scenarios for XRP. First, under a moderate institutional demand scenario, XRP price could see a two to three times increase, reaching a price range of $5 to $7.
Nonetheless, if institutional adoption grows at a stronger pace alongside retail demand, the XRP price could climb to $7–$12 in the mid-term, between now and 2026. In a highly optimistic scenario, where XRP achieves mass adoption and full network effect, its value could surge to $15–$25.
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