CDBC

AI chatbots have come a long way since the release of ChatGPT 3 in late 2022. These tools aren’t just parroting information anymore—they’re synthesizing data, spotting trends, and offering insights that sometimes even human analysts miss.
Given how fast things move in crypto, AI predictions are becoming a go-to resource for anticipating market movements. XRP, for instance, has been on a major run lately—up 44% this month, with a 150% surge in trading volume just today. Naturally, I was curious: where could XRP be heading by the end of 2026?
To find out, I decided to ask three top AI models—ChatGPT, Gemini, and DeepSeek—for their predictions. While two of them offered fairly aligned and cautious forecasts, DeepSeek’s take was something else entirely.
Let’s break down what each one said.
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🔹 ChatGPT Predicts XRP Could Reach $6 by 2026
Each AI gave a base case, bull case, and bear case. For simplicity, I’m focusing on their base case outlooks.
ChatGPT suggested XRP could land between $3.5 and $6 by 2026, assigning a 55% probability to this range. The reasoning? Continued institutional investment, regulatory clarity, and growing usage of the XRP Ledger for cross-border payments and CBDCs.
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🔹 Gemini Echoes ChatGPT’s Forecast
Interestingly, Gemini’s base case also falls between $3.5 and $6, reinforcing the likelihood of this price zone.
Gemini credits its prediction to a stable regulatory climate, modest institutional growth, and ongoing XRP Ledger development. According to Gemini:
> “Several analysts expect XRP to stabilize around the low-to-mid $3 range by late 2025, before climbing toward $5-$6 by 2026.”
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🔹 DeepSeek Drops a Bombshell: XRP Could Hit $30
Now here’s where things get interesting.
China-based DeepSeek predicts XRP could skyrocket to $30 by 2026. That’s 400% higher than the other two models.
Wild guess? Maybe. But DeepSeek points to Ripple’s expanding On-Demand Liquidity (ODL) partnerships across Asia, Africa, and the Middle East as a major catalyst. It also claims:
> “If just 5% of global FX transactions (around $5T daily) utilize XRP, demand could explode.”
That’s a bold assumption—but with the SEC lawsuit behind it and more institutional adoption in sight, it’s not entirely out of the question.
Still, the agreement between ChatGPT and Gemini makes the $3.5–$6 range a more grounded expectation.
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⚡ Bonus: ChatGPT Highlights a New Contender—Bitcoin Hyper ($HYPER )
In addition to XRP, ChatGPT mentioned another project that could be worth watching: Bitcoin Hyper, currently in presale.
It’s building a Bitcoin Layer 2 using the Solana Virtual Machine, which aims to bring lightning-fast transactions and smart contract capabilities to Bitcoin’s ecosystem. This setup also allows Solana developers to port over apps easily—leveraging Bitcoin’s security and liquidity.
At its current presale price of $0.012375, ChatGPT estimates $HYPER could rise to $0.14–$0.28 by 2026—potentially a 23x return.
What makes $HYPER stand out?
It aligns with the high-speed + Bitcoin narrative.
It has limited supply and built-in staking.
It’s one of the first movers in the Bitcoin L2 space.
It’s raised over $4.5 million in presale so far.
Given Bitcoin recently hit an ATH of $123,000, momentum is clearly in its favor—and that energy could spill over into projects like $HYPER .
Just a heads-up: the next price jump in the presale is expected within two days, so time might be of the essence for early supporters.
👉 [Check out the Bitcoin Hyper Presale here]
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> ⚠️ Disclaimer: This content is for educational purposes only and should not be considered financial advice. Always do your own research before making investment decisions.#CDBC #Aİ #BTC #SEC $XRP

The European Union's plans for a Central Bank Digital Currency (CBDC), known as the digital euro, are progressing through structured phases, but there is no confirmed launch date set for October 2023. Here's a clear breakdown of the current status and timeline:
Key Points:
1. Investigation Phase (2021–2023) :
- The European Central Bank (ECB) began a two-year investigation phase in July 2021 to explore the design, distribution, and regulatory framework for a digital euro. This phase concluded in October 2023, with the ECB announcing the findings and deciding whether to proceed to the next stage.
2. Preparation Phase (Late 2023 Onward) :
- Following the investigation, the ECB is expected to enter a preparation phase(likely starting late 2023), focusing on technical development, testing, and finalizing rules. This phase could take 2–3 years, meaning a potential launch would not occur before 2026–2027.
3. Legislative Progress :
- In June 2023, the European Commission proposed a legal framework to support the digital euro. This legislation must be approved by the European Parliament and member states before implementation.
4. Objectives and Concerns :
- The digital euro aims to complement cash, enhance payment efficiency, and counter private cryptocurrencies' dominance. Privacy, offline functionality, and financial stability remain key priorities.
Misconceptions Clarified:
- October 2023 Significance : This marks the end of the ECB's investigation phase, not a public launch. The ECB will decide whether to advance to development, but no CBDC will be issued until after legislative approval and technical readiness.
- Pilot Programs : Some limited testing may occur during the preparation phase, but widespread adoption is years away.
Conclusion:
The EU is advancing cautiously toward a digital euro, but the October 2023 date refers to a phase transition, not a launch. Public rollout is unlikely before 2026, pending regulatory, technical, and political alignment. Stay updated via official ECB communications for accurate timelines.
#CDBC #euro $BTC $ETH $XRP

-- Jack Booth said The #OpenNetwork project is playing an important role in the mass adoption of cryptoassets.
-- The co-founder of the $TON
Society sees #cdbc as a fundamental threat to decentralized networks.
-- TON developers advocate hybrid solutions that would allow CDBC to interact with such networks, but not dominate them.

Co-founder of the TON Society organization Jack Booth called the central bank digital currency (CDBC) one of the key threats to the decentralized networks segment. The expert believes that the crypto community needs to defend the right to independence of the industry and The Open Network (TON) blockchain plays an important role in this process, writes Cointelegraph.

Booth said that the TON community is actively developing its ecosystem and helping to make the DeFi segment more accessible to users. He believes such networks can offer people improved control over their finances without relying on centralized authorities.

“TON's mission is mass adoption, and we aim to achieve this by making blockchain technology highly scalable, efficient, effective and convenient [...] for the general public, removing barriers for both users and developers,” said the TON Society co-founder.

The expert warned that national governments are now increasingly focusing on a competing technology, CDBC. This decision could allow authorities to wrest control over users' digital finances, he notes.

According to Booth, CDBCs challenge the basic principles of decentralization: privacy and network sovereignty. To solve the mentioned problem, the representative of TON Society proposes to find a compromise solution.

“We advocate a hybrid approach that will allow CBDC to interact with decentralized networks, but not dominate them,” said Jack Booth.

The specialist explained that he sees an opportunity to build a more inclusive and secure financial system that recognizes the principles of decentralization.

Booth expressed his belief that policymakers should cooperate with Web3 platforms rather than work against them. Regulators are obliged to establish general principles, not to drive the industry into narrow rules, summed up the co-founder of the TON Society.

Recall, we wrote that by early October 2024, tokens of the TON ecosystem had fallen by more than 50% since launch.
#TetherAEDLaunch