Ripple’s Potential Master Account with the Federal Reserve

The idea of Ripple gaining approval for a master account with the Federal Reserve could be what pushes XRP into a significant upward phase.

Access to Fed Payments

Market analyst Sam Daodu recently shared insights, noting that AI models largely agree XRP might surge if Ripple is granted access to the Fed’s payment system.

The main reason for this optimism is that direct access would enable Ripple to settle transactions without needing to route them through banks, which currently serve as intermediaries.

Daodu mentioned that this possibility may soon become reality. He pointed to March 2026, when Kraken became the first cryptocurrency company to obtain a master account through the Kansas City Federal Reserve Bank, indicating that such approvals aren’t just theoretical anymore.

Building on this, Daodu provided predictions for XRP, examining how different AI models assess catalysts and risks.

XRP Predictions

According to Daodu, ChatGPT’s model shows potential recovery under standard conditions. It estimates XRP might reach between $2.50 and $3.00 by August 2026, highlighting $1.50 as a crucial support level that XRP must maintain to keep this trajectory alive.

At the moment, XRP is trading below that support, around $1.32 per token. Nevertheless, Daodu believes the underlying rationale lies in expected inflows to exchange-traded funds (ETFs) and the expansion of Ripple’s payment corridor.

In a more optimistic scenario, if ETF inflows and corridor growth pick up significantly in the latter half of the year, ChatGPT’s model suggests a possible rise to $5.

On a more aggressive note, Grok’s projections place the base forecast for XRP between $2.50 and $2.80, with the potential to reach as high as $10 if conditions are favorable—particularly if Bitcoin reaches $100,000. This raises questions about why $80 might occur by 2032.

Claude’s predictions, while more cautious, still indicate potential profit. He expects XRP to remain in the $1.35 to $1.65 range for the rest of 2026, suggesting a 50% likelihood of this scenario.

Claude’s reasoning is based on a common trend: while momentum can foster short-term gains, these may quickly dissipate without new catalysts to sustain them. Yet, Claude’s long-term outlook is somewhat more promising than the base scenario.

If ETF inflows exceed $10 billion and bank adoption picks up, XRP could potentially rise to between $8 and $14. However, Claude stresses that simply reaching these price levels won’t suffice without persistent demand drivers to support this increase.

Among the models analyzed by Daodu, Vincent Van Code’s predictions stand out for their boldness. Instead of a short-term target, this model anticipates XRP might hit $80 by 2032.

This forecast aligns with Ripple CEO Brad Garlinghouse’s expectation that 30% of Ripple Treasury’s annual payment flows—valued at $13 trillion—could transition on-chain within five years. Specifically, for 2026, the AI model anticipates a price target between $6 and $10.