Copilot AI Predicts XRP Could Reach $4-$7 by Year-End

The price of XRP has seen a significant surge in recent days, spiking to $1.68 before pulling back to its current value of $1.50. This sudden rally has caught the attention of Microsoft's Copilot AI, which has predicted that XRP could reach $4 to $7 by the end of 2026, with a base case near $5.

The Copilot AI model attributes this prediction to several factors, including the increased adoption of Ripple's RLUSD stablecoin, which has surpassed $2 billion in market cap. Additionally, institutions are showing up, with ETF inflows jumping by nearly $40 million in a single week, indicating fresh demand rather than retail churn.

However, the bear case suggests that if RLUSD adoption slows or regulatory setbacks emerge, XRP could retrace toward $1.20-$1.30. The Copilot AI still frames $5 by year-end 2026 as the most likely bullish outcome.