XRP (CRYPTO:XRP) has barely moved in weeks. It trades at $1.10 today, down 9% on the month, and it has been stuck in the same narrow band since June while the news around Ripple keeps getting better.
So where could the XRP price trade by the end of July? We put that question to three leading AI models, and gave each one the same verified facts, from XRP’s current price and the levels that have capped it, to the money moving in and out of the spot XRP ETFs, how busy the XRP Ledger is, and where the Digital Asset CLARITY Act stands.
ChatGPT Predicts XRP Closes July at $1.13
ChatGPT is the only one of the three models that sees the XRP price finishing July higher than it is today. Its reasoning is that XRP has already fallen far enough that the selling is close to exhausted.
The model’s XRP price prediction is $1.13 for July 31. It also put odds on the other outcomes, adding that there’s a 20% chance XRP closes below a dollar, a 33% chance it closes between $1.00 and $1.10, a 32% chance of closing between $1.10 and $1.20, and a 15% probability of finishing above $1.20. In essence, ChatGPT is saying there’s a 65% chance XRP ends July roughly where it started.
Months of decline have pushed market sentiment low enough that anyone who was going to panic has already sold, so each time the XRP price drops toward a dollar, buyers step in. But the money going into the spot XRP ETFs has slowed to a trickle, and without fresh demand there’s nothing strong enough to push the price through $1.18 to $1.20—the level XRP has to reclaim to break its year-long downtrend.
Since late June, XRP has traded between about a dollar and $1.15, and $1.13 falls inside that band. ChatGPT is not forecasting a move out of it, only that XRP finishes the month three cents above where it trades now.
ChatGPT scores its own confidence in that forecast at 4 out of 10. Over the 16 days left in the month, it said, crypto moves on events nobody can put in a diary, like a surprise Senate vote or a sharp turn in Bitcoin, rather than on the slow fundamentals a model can read.
Claude Expects XRP to End July at $1.04
Claude’s XRP price prediction is $1.04 for July 31, the lowest of the three models, with a range of $0.94 to $1.22. Its odds run 30% of XRP dropping below a dollar, 40% between $1.00 and $1.10, 20% between $1.10 and $1.20, and 10% above that. That 30% is the highest chance any of the three models gave to XRP losing the dollar.
The AI’s reasoning starts with the CLARITY Act, which is the bill that would write crypto’s rules into U.S. law and settle what XRP legally is. Standard Chartered and JPMorgan both estimate the bill would pull $4 billion to $8.4 billion into the XRP ETFs in its first year alone. The CLARITY Act cleared the House last July, got through the Senate Banking Committee in May, and has been on the Senate calendar since June 1, eligible for a floor vote the moment leadership schedules one—six weeks later, nobody has.
Claude’s argument is that there isn’t time left to change that before the month ends. The defense bill has the floor this week, the merged Senate text still hasn’t appeared, and the bill still has to survive two Senate votes that need 60 senators each, all before the Senate leaves for recess on August 7.
Even if everything goes right, that timeline runs into the last days of July or the first week of August, so the one event big enough to move XRP most likely comes too late to show up in this month’s close. Traders on Polymarket now put the odds of the bill passing this year at 37%, down from 74% in May. Money going into the spot XRP ETFs has fallen from $131.94 million in May to $62.29 million in June, and close to nothing this month.
Claude rates its own confidence in the $1.04 forecast at 3 out of 10, though it gives its probability ranges a 7. It also volunteered that roughly 90% of the forecast is just the current price with a small drift on top.
Grok Sees XRP Slipping Back to $1.08
Grok’s XRP price prediction is $1.08 for July 31. It made that call on July 14, with XRP up almost 5% on the day at $1.11. Its reasoning is that the move had little to do with XRP. A softer U.S. inflation report pushed Bitcoin, Ethereum, and Solana higher alongside XRP, and Grok’s view is that a rally driven by one macro data point tends to fade once the news is priced in.
Beyond that, Grok saw nothing scheduled that would replace it. The CLARITY Act has no floor time, ETF money has slowed, activity on the XRP Ledger is near its lows for the year, and the price trades below the moving averages traders watch. That leaves the Federal Reserve’s July 28 meeting as the next scheduled event likely to move crypto, and in Grok’s phrase, traders wait for it “with nothing fresh to buy.”
Its odds are the narrowest of the three AI models too. Grok gives XRP an 18% chance of closing below a dollar, the lowest of any model, then 42% between $1.00 and $1.10, 32% between $1.10 and $1.20, and 8% above $1.20, which is also the lowest. So, Grok puts a 74% chance on XRP closing somewhere between $1.00 and $1.20, inside a range of $0.95 to $1.18 that is the tightest of the three AI predictions.
Where Will the XRP Price Close by July 31?
We expect XRP to close July between $1.00 and $1.15, roughly where it trades today, and all three AI models have similar forecasts. The CLARITY Act still isn’t scheduled for a floor vote, and XRP ETF money has dried up, falling from over $130 million in May to almost nothing this month.
Without fresh demand, there’s nothing to push the XRP price through $1.18 to $1.20. But the floor has held just as firmly. XRP fell to $1.009 in June, its lowest point of the year, and buyers stepped in. The amount of XRP held on exchanges has also fallen to a seven-year low, leaving less of the coin available to sell.
If the Senate schedules a vote to advance the CLARITY Act before July 29, XRP could finish the month higher than we forecast. If the bill doesn’t move, XRP stays in our range.
Contact [email protected] for any questions or corrections.
Top Gaining Stocks
Top Losing Stocks