XRP and Stellar Both Fell 12% in a Week. ChatGPT AI Says Which Could Be Worth More by 2028

XRP (CRYPTO:XRP) and Stellar (CRYPTO:XLM) have dropped in near lockstep, keeping the XRP vs. Stellar comparison close. XRP is trading at $1.11, down 12.2% over the past week, while XLM trades around 15 cents, down 12.1%. Both cryptocurrencies closed at their lowest levels in 30 days on November 8.

XRP trades 69.5% below its peak of $3.65 from July 2025, while XLM trades 83% below its all-time high of 88 cents from January 2018. Both networks are competing to host tokenized real-world assets, such as bonds and fund shares recorded as tokens on a blockchain.

ChatGPT gives XRP a base scenario of $2.50 and XLM a base scenario of 30 cents by December 31, 2028. So which coin could be worth more by then, and what would each need to go right?

XRP and Stellar Dropped 12% While Bitcoin Fell 3%

Bitcoin (CRYPTO:BTC) trades at $75,034, down 3% over the same week. So the bigger drops in XRP and XLM came from issues specific to each coin, not the wider market.

ETF demand for XRP has stalled. U.S. spot XRP ETFs recorded zero net flows on November 5 and 6. According to SoSoValue data, their total net assets dropped from $1.51 billion on October 28 to $1.34 billion on November 6, while cumulative net inflows stayed flat at $1.81 billion. That shows the decline came from XRP’s price rather than withdrawals.

Two asset groups on the XRP Ledger also moved in opposite directions. Token Terminal reported today that Ripple’s RLUSD stablecoin, which is pegged to the dollar, increased its market cap by $228.8 million over the prior month. In contrast, tokenized credit funds on the XRP Ledger decreased by $207.4 million. While RLUSD’s growth benefits Ripple, stablecoin users don’t need to hold much XRP.

Stellar fell despite positive news. It became a default network in MetaMask, the crypto wallet, in late October, yet XLM has fallen 25.1% over 30 days.

XRP Would Need a $158.8 Billion Market Cap to Reach $2.50

Market capitalization is price multiplied by circulating supply. XRP has approximately 63.5 billion tokens in circulation out of a maximum of 100 billion, giving it a market cap of around $70.6 billion. At $2.50, that supply implies a market cap of about $158.8 billion, and at $5, it implies about $317.6 billion.

However, XRP’s increasing token supply poses a challenge. Its fully diluted valuation, which reflects the market cap if all tokens were in circulation, is already $111.2 billion. With more tokens released before 2028, holding any price level will require additional capital, so $2.50 could take more money than XRP’s one-year high of $2.53 did on November 10, 2025.

In comparison, Stellar has around 35.4 billion XLM in circulation out of roughly 50 billion, for a market cap of about $5.3 billion. At 30 cents, its market cap would be roughly $10.6 billion, a price XLM last reached on November 10, 2025.

Both Coins Need Adoption That Turns Into Token Demand

For XRP, ChatGPT’s base scenario assumes Ripple expands RLUSD and institutional tokenization. However, the model also notes that this adoption may not translate into XRP demand. Its 65-cent bear scenario assumes institutional demand declines and tokenized credit keeps shrinking, while the $5 bull scenario would mean a new all-time high. Our XRP 2027 outlook covers the nearer horizon.

For Stellar, ChatGPT’s 30-cent base scenario hinges on MetaMask distribution and Stellar’s tokenized-asset tools drawing users. Its 8-cent bear scenario assumes MetaMask fails to generate substantial usage, while a 65-cent bull scenario would depend on Stellar becoming a leading network for tokenized assets and payments.

ChatGPT puts tokenized assets on the XRP Ledger at about $5 billion in late September, compared to Stellar’s $2.75 billion, although Stellar briefly surpassed the XRP Ledger in October.

XRP vs Stellar Questions Investors Keep Asking

Is XRP or Stellar the Better Investment?

ChatGPT leans toward XRP for its higher potential gain in the base scenario, though Stellar is close behind. The main factor is which network can convert tokenized-asset adoption into lasting demand for its own token.

What Will XRP Be Worth in 2028?

ChatGPT’s range for XRP runs from 65 cents to $5, with $2.50 as the base scenario. Our three-scenario XRP 2028 analysis lays out a similar spread.

Can Stellar Reach $1?

For XLM to reach $1, it would need to surpass its all-time high of 88 cents and exceed ChatGPT’s 65-cent bull scenario. That would mean a market cap of around $35.4 billion at current supply, approximately 6.7 times its present size. Our Stellar 2030 outlook looks even further ahead.

Which Could Be Worth More by 2028, XRP or Stellar?

XRP has the better chance of the bigger gain by the end of 2028. However, ChatGPT’s $2.50 base scenario, a 125% increase from the current price, looks unlikely unless three things happen in order. Spot XRP ETF flows would first need to turn positive and push cumulative inflows above $1.81 billion. Next, XRP would have to regain its 50-day average of $1.37, about 23% higher, and its 90-day high of $1.57, about 41% higher.

On the other hand, Stellar’s first challenge is pushing XLM back above its October high of 20 cents, up about 33%. If XRP closes above $1.57 with fresh ETF inflows, it would be the likelier of the two to gain more by 2028. However, if XRP drops below its August low of around 99 cents, an 11% decrease, Stellar’s MetaMask integration could give XLM the edge.

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