Cryptocurrency

Does XRP Have a Future? ChatGPT Responds to Peter Brandt’s “Fool Coin” Claim

Peter Brandt calls XRP a fool coin where network growth never reaches token holders, but ChatGPT pushed back with a fair value estimate and two wildly different 2027 scenarios that put the debate in sharper focus.

By Sam Daodu

Published October 3, 2026, 8:22pm ET · 3 min read

The Crypto Desk desk. Editor: Sam Daodu.

This post may contain links from our sponsors and affiliates, and Flywheel Publishing may receive compensation for actions taken through them.

Chatgpt Artificial Intelligence Assist in answering customer questions through online websites. technology leap Intelligent software to interact effectively, future, business, communication, digital — © NikOStudio / Shutterstock.com

The question on many minds is: does XRP have a future? Veteran trader Peter Brandt has labeled XRP (CRYPTO:XRP) a “fool coin,” arguing that its role in payments does not increase its value, especially compared with Bitcoin (CRYPTO:BTC). When 24/7 Wall St. asked ChatGPT the same question, the response offered a more balanced view.

ChatGPT disagrees with Brandt’s assertion that payment use lacks investment value. However, it acknowledges that a busy network doesn’t automatically drive up a token’s price. As of October 3, 2026, XRP is trading around $1.48, about 50% lower than it was a year ago. This raises an important question for current holders: can the token actually reflect the value created by its network?

Banks Can Use XRP Without Holding It for Long

A low-angle view of a modern bank building with the word 'BANK' in large silver letters on its white marble facade. The building features dark, reflective glass windows. Behind the building, a dark blue background displays glowing blue binary code (zeros and ones) arranged in columns, creating a digital effect.

ChatGPT’s argument starts with how payments are processed. When a bank utilizes XRP as a bridge asset to transfer dollars internationally, it buys XRP, moves it quickly, and then the recipient converts it into local currency. This means that while billions of dollars can pass through the network, very little XRP stays in anyone’s hands.

Additionally, Ripple can generate income through payment software and its RLUSD stablecoin—tied to the dollar—without this income necessarily impacting XRP’s price. Thus, ChatGPT points out that while bank adoption is a crucial first step, XRP’s value hinges on its ability to gain economic significance.

ChatGPT Puts XRP’s Fair Value at $1.35, About 9% Below Its Price

A stylized digital financial chart on a deep blue background, showcasing a bright blue line graph with glowing points, an orange line graph, and numerous green and blue bar chart elements. A prominent glowing upward arrow is visible in the upper right, indicating growth.

According to ChatGPT, only 25% of XRP’s market value currently stems from visible ledger activities, with the remaining 75% supporting future adoption. This division is based on judgment rather than hard numbers.

ChatGPT established XRP’s fair value at $1.35. This rate reflects 40% of current ledger use, 35% based on the likelihood of adoption by major institutions, and 25% for future network value.

At this price, XRP would have a market value of approximately $85 billion across 63.1 billion tokens, compared to roughly $94 billion today. With XRP’s maximum supply being 100 billion, the same fair value suggests a higher market capitalization as more tokens become available.

Moreover, ChatGPT estimates that funds hold about 1.18 billion XRP, valued at approximately $1.7 billion, with stablecoins on the ledger amounting to between $2.4 billion and $2.5 billion. The conclusion is that current buyers are investing in a healthy yet reasonable expectation of future adoption.

Swift’s 17-Bank Ledger Could Grow Without XRP

Financial growth concept with stacked coins and rising stock market chart, business investment success, economic recovery, wealth management, and long term financial planning strategy.

ChatGPT also highlighted the significance of Swift’s blockchain ledger pilot, which involves 17 banks preparing to utilize it for tokenized deposits. These are everyday bank deposits converted into digital tokens, suggesting blockchain payments could grow significantly while XRP might see minimal benefit.

ChatGPT proposed two possible value scenarios for XRP by the end of 2027, clarifying that these are not predictions:

ChatGPT’s end-2027 scenario	XRP value	Implied market value	Change from $1.48
Swift’s ledger dominates cross-border payments	$1.80	About $114 billion	+22%
Ripple’s networks take the lead	$4.25	About $268 billion	+187%

ChatGPT views the Ripple scenario as ambitious but possible, suggesting a 65% chance that XRP will still rank among the top 10 cryptocurrencies by early 2030.

XRP’s Price Record Still Backs Brandt’s View

Coin cryptocurrency ripple on the background of numbers of the arithmometer. The concept of production or rate of xrp.

Looking at XRP’s price history, Brandt’s view has some support. The token peaked at approximately $3.65 in July 2025 and is now trading about 60% lower, fluctuating between $1.25 and $1.66 in September. This indicates that XRP’s supporters still need to prove its value.

ChatGPT is also a language model without an established market track record, and its supply and value estimates are speculative. Presenting a fair value of $1.35 down to the cent does not ensure accuracy.

So, Does XRP Have a Future?

In summary, XRP has the potential to be a widely held, liquid asset. However, its effectiveness as a payment method has yet to prove that it positively impacts the token’s price. While headlines about bank adoption highlight the network’s growth, they don’t necessarily reflect XRP’s price, which is the gap Brandt pointed out.

The best measure of XRP’s future value may be found in fund holdings, currently estimated at around 1.18 billion XRP. If this number grows through 2027 and XRP climbs back above its January 2026 closing price of $1.65 (an increase of about 11%), it will suggest that the token is effectively capturing value. Conversely, if bank ledgers expand while fund holdings stagnate, it would validate Brandt’s distinction.

Contact [email protected] for any questions or corrections.

1INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).2The probability of a member receiving $3,000 is 0.028%. If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Members must fund their account with a minimum of $50.00 to qualify. The probability percentage is subject to decrease. Members are only eligible for the Stock Award promotion upon opening their first brokerage account; subsequent cash brokerage accounts are ineligible for the promo, including for members with multiple accounts.

3Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.

4There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.

Sam Daodu

Sam Daodu is a crypto analyst who's spent nearly a decade making blockchain understandable—no easy task when most whitepapers read like fever dreams. He writes for 24/7 Wall St., covering Bitcoin, altcoins, and crypto market analysis for investors. Before crypto, he was a tech writer (back when explaining "the cloud" was peak innovation). Since 2018, he's written for CoinTelegraph, Yahoo Finance, The Block, Cryptonews, Zypto, Rain, and more—basically anywhere people want crypto news without the headache. Sam runs MacLabs Marketing, a content agency for crypto brands tired of sounding like AI wrote their website. He also publishes free crypto education on his site for Web3 enthusiasts who think "gas fees" is a typo. When he's not writing or staring at charts, Sam's either: - Watching anime (currently convinced One Piece has better tokenomics than most altcoins) - At the gym sculpting himself into a Greek god - Listening to the music your mum warned you only bad boys listen to Connect: LinkedIn | Email | MacLabs Marketing

All articles →