XRP Could Surge to $80 if Ripple’s Fed Account is Approved, AI Predicts.

Ripple’s Potential Fed Account Approval Could Boost XRP

Ripple’s potential approval to hold a Federal Reserve (Fed) master account could trigger a significant upward movement for XRP, according to market analyst Sam Daodu. Daodu’s recent report indicates that artificial intelligence (AI) models generally agree that XRP could experience a price increase if Ripple gains access to the Fed’s settlement infrastructure.

A key factor driving this optimism is that direct access to the Fed would allow Ripple to settle transactions directly, bypassing the banks that currently act as intermediaries.

Daodu suggests that this process may already be underway. He cited Kraken’s March 2026 acquisition of a master account through the Federal Reserve Bank of Kansas City as evidence that the approval pathway is no longer purely theoretical.

XRP Price Forecasts

Daodu shared model-driven forecasts for XRP, comparing various AI systems and their approaches to assessing catalysts and risks.

According to Daodu, ChatGPT anticipates a measured recovery under base conditions, projecting XRP to trade between $2.50 and $3.00 by August 2026. The model also identifies $1.50 as a critical support level for the prediction to remain valid. Currently, the altcoin is trading below that level, having retraced to $1.32 per token. Daodu attributes this forecast to potential exchange-traded fund (ETF) inflows and growth in Ripple’s payment corridor. In a more bullish scenario, assuming accelerated ETF inflows and corridor growth, ChatGPT sees potential for XRP to reach $5.

Grok’s projections are more aggressive, with a base forecast between $2.50 and $2.80, but an upper target of $10 under favorable conditions. Daodu reported that Grok links the $10 level to a scenario where Bitcoin surpasses $100,000.

Claude’s outlook is more cautious, though still optimistic. The model’s base projection suggests XRP will remain in the $1.35 to $1.65 range for the remainder of 2026, with a 50% probability assigned to that outcome. Claude’s reasoning highlights that short-term rallies may fade without new catalysts. However, Claude’s long-term view is more constructive, with the potential for XRP to reach between $8 and $14 if ETF inflows exceed $10 billion and banking adoption accelerates. Claude emphasizes that sustained demand drivers are necessary to support such a price movement.

Vincent Van Code’s AI forecast is the most ambitious among the models reviewed by Daodu. Instead of focusing on a single near-term target, Vincent Van Code projects a year-by-year trajectory, reaching $80 by 2032. This forecast is based on 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, the AI model targets price targets ranging from $6 to $10.