XRP
ChatGPT Evaluates Peter Brandt's Criticism of XRP Utility and Valuation
An artificial intelligence model assessed the long-term utility and valuation of XRP following criticism from veteran trader Peter Brandt.
ChatGPT responded to veteran trader Peter Brandt's description of XRP as a "fool coin," disputing his claim that payment use provides no investment value while acknowledging that network activity does not automatically increase token prices. As of October 3, 2026, XRP traded around $1.48, marking a 50% decline over the prior year.
The AI analysis highlighted that financial institutions primarily use XRP as a rapid bridge asset for cross-border currency transfers rather than holding it long-term. Furthermore, Ripple generates revenue from payment software and its dollar-pegged RLUSD stablecoin without directly impacting XRP's market price.
Based on a weighted model attributing 40% to current ledger activity, 35% to institutional adoption prospects, and 25% to future network value, ChatGPT estimated XRP's fair value at $1.35. That valuation implies an $85 billion market capitalization across 63.1 billion tokens, compared to its prevailing $94 billion valuation. The report noted institutional funds held roughly 1.18 billion XRP, while ledger stablecoins totaled between $2.4 billion and $2.5 billion.
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