ChatGPT 5.2 predicts that XRP will reach $2.28 by December 31, 2025, driven by current market conditions, technical indicators, and adoption trends. Despite a recent 16% decline over the past month, XRP remains below its 50-day EMA, reflecting a bearish sentiment in the market. However, institutional developments such as MINA Bank's integration of Ripple Payments and the introduction of wrapped XRP on Solana and Ethereum highlight the token's long-term utility potential.