Gemini AI Prediction: By 2029, XRP's performance may surpass Bitcoin and Ethereum

According to Gate’s official market data, as of January 26, 2026, Ripple (XRP) is priced at $1.87, with a market capitalization of $114.4B. Amid recent market-wide corrections, its price change over the past 7 days is -4.33%, but it has still maintained a +1.68% growth over the past 30 days. Under the same market conditions, Bitcoin (BTC) is priced at $87,717, and Ethereum (ETH) at $2,863.77.

Market Focus

Recently, the cryptocurrency market has experienced volatility amid macro policy adjustments and the transition between new and old narratives. Former U.S. President Trump reaffirmed at the Davos Forum his commitment to making the U.S. a global cryptocurrency hub, providing long-term policy imagination for the market. However, market sentiment has not immediately turned optimistic. The “Clear Act,” regarded as a key regulatory framework for digital assets, was delayed in the Senate Banking Committee, with priority given to housing-related issues, casting short-term uncertainty over regulatory prospects.

Against this complex backdrop of optimistic expectations intertwined with practical stagnation, Google’s AI model Gemini released a forward-looking analysis, shifting market focus to a multi-year comparison: who will deliver the highest percentage return before 2029 among Bitcoin, Ethereum, and XRP?

AI’s Choice: Why XRP?

After evaluating the three major cryptocurrencies, Google’s Gemini AI model has drawn a clear inclination: “If we must speculate on the highest percentage return from now until 2029, the answer is very likely to be XRP.” This judgment is not unfounded, built on the narrative of “obstacle removal” and “revaluation of value.”

The model analysis indicates that XRP’s growth potential is directly related to the resolution of its major constraints in recent years. Since 2020, the U.S. Securities and Exchange Commission (SEC) lawsuit against Ripple Labs has cast a long regulatory shadow over XRP. As this prolonged legal dispute is finally settled, U.S. financial institutions have gained regulatory clarity to use XRP for real-time liquidity services. A major barrier to its large-scale institutional adoption has been dismantled.

The AI model describes Bitcoin as “the safest bet,” mainly due to the “Strategic Bitcoin Reserve” established in 2025, which elevates Bitcoin to the national policy level, providing unique institutional support for its value. For Ethereum, Gemini views it as a “technology and utility investment,” expecting its benefits mainly from broad de-regulation trends rather than specific administrative measures. In comparison, XRP is positioned by the model as the “most aggressive” investment choice among the three. This aggressiveness stems from its fundamental turnaround: from being constrained by litigation to regaining freedom, combined with its established practical foundation in cross-border payments and interbank settlements.

Current Status of the Three Giants and Market Data Overview

Based on Gate’s market data, we can conduct a clear current status scan of these three assets in the AI forecast focus:

From the data, XRP’s market cap is smaller compared to the other two, which also suggests its price volatility and the so-called “percentage return potential” could be greater.

Additionally, a significant positive factor is the successful launch and capital inflow into XRP spot ETFs. Since their listing in November 2025, multiple institutional XRP ETFs have accumulated inflows totaling $1 billion. This has brought unprecedented and sustained institutional buying, providing a new support dimension for XRP’s price.

From Prediction to Reality: XRP’s Price Path and Challenges

Gemini AI’s long-term outlook paints an optimistic picture for XRP, but the road to 2029 will inevitably be volatile. Several institutions and models have analyzed XRP, especially its price trajectory in 2026, offering a more recent observation window.

Market forecasts for XRP’s performance in 2026 vary, but generally, its volatility is expected to continue. Gate analysts suggest XRP may remain volatile in 2026, with downside risks possibly pushing it toward $1.40, while upside potential could see it surpass the previous high of $4.00 before year-end. A more aggressive view comes from analyst Chad Steingraber, who believes that, drawing from Bitcoin ETF performance, if XRP ETF capital flows remain strong, the token could rise from $2 to $10 in less than a year. This prediction is supported by technical charts, including a symmetrical triangle breakout indicating a strong trend continuation, with a measured move target around $14-$15.

Meanwhile, another AI model, DeepSeek, also offers a similar forecast, expecting XRP to reach $10 by the end of 2026.

Combining Gate’s market data with these predictions, XRP’s price volatility range in 2026 could be between $1.61 and $1.93. Looking further ahead, some analyses suggest that by 2031, XRP could fluctuate around $4.62. To achieve these targets, XRP must overcome several challenges. The interest in derivatives markets has not fully recovered; its open interest in futures contracts has decreased by about 66% from the July 2025 high, indicating traders’ confidence in a sustained short-term upward trend still needs rebuilding.

From a technical perspective, XRP remains below its key 50-day, 100-day, and 200-day exponential moving averages, confirming a short- to medium-term bearish trend structure.

Rational View of AI Predictions and Risk Management

AI models, by processing vast amounts of historical data, market sentiment, news semantics, and on-chain information, can provide unique, nonlinear analytical perspectives. However, any forecast—whether from human analysts or AI—is fundamentally a probabilistic inference. Backtesting shows that even advanced AI models have about a 68% accuracy rate in predicting three-month price movements, which can drop further under extreme market conditions.

Cryptocurrency markets are characterized by high volatility, and prices often deviate from expectations. Ultimately, the factors influencing asset prices include macroeconomic environments, specific regulatory policies, real progress in technological adoption, and unpredictable “black swan” events.

For participants interested in XRP and the broader crypto market, establishing a rational cognitive framework is crucial. AI’s forward-looking analysis can serve as one of many decision-making references but should not be relied upon as the sole basis for operations. A prudent strategy involves building a diversified asset portfolio, with core holdings in long-tested assets like Bitcoin and Ethereum, allocating a portion to assets like XRP with specific narratives and growth potential, and always maintaining some cash reserves to seize market opportunities during volatility.

Market predictions for XRP’s price at the end of 2026 vary significantly, from cautious $4.00 to aggressive $10.00 or even $15.00. Regardless of short-term fluctuations, Ripple’s ongoing strategic initiatives continue. Its collaborations with global financial institutions, real-world asset tokenization on the XRP Ledger, and the launch of USD stablecoin RLUSD are all contributing to a more solid fundamental ecosystem.