Insights from OpenAI’s artificial intelligence (AI) platform, ChatGPT , suggest that Bitcoin ( BTC ) and XRP are set to play different roles by 2026 as the two assets continue to serve distinct purposes. For investors , the model indicated that heading into the new year, Bitcoin is expected to deliver steady growth, while XRP carries the potential for larger percentage gains. Both assets have had a strong run in 2025, breaking multiple highs. XRP has moved out of its long consolidation phase below $1, while Bitcoin continues to target the $150,000 record high. Bitcoin and XRP fundamentals Looking ahead to 2026, ChatGPT noted that Bitcoin’s performance is likely to be supported by institutional adoption through exchange-traded funds ( ETFs ) and corporate treasury allocations. The post-halving supply squeeze is another factor favoring long-term appreciation. Based on these dynamics, the model projects Bitcoin could trade between $180,000 and $250,000 by 2026. From current levels near $112,000, this represents an upside of roughly 60% to 120%, or approximately two-fold to three-fold. XRP, meanwhile, is entering a new phase following the resolution of Ripple’s legal battle with the Securities Exchange Commission, paving the way for broader adoption. A potential spot XRP ETF could be a game changer, channeling significant institutional inflows into the asset. Combined with its established role in payments and settlement, these factors create strong conditions for growth. ChatGPT’s base-case scenario estimates XRP could reach $6 to $10 by 2026. From current levels around $2.88, this implies an upside of 110% to 250%, or approximately three-fold to five-fold. Bitcoin and XRP outlook for 2026. Source: ChatGPT The verdict According to ChatGPT, Bitcoin is likely to remain the more reliable store of value, appealing to conservative investors seeking stability. XRP, however, may have a stronger chance of outperforming in percentage terms if institutional inflows accelerate, particularly with the approval of a spot ETF that validates the asset for mainstream investors. Featured image via Shutterstock The post XRP or Bitcoin: ChatGPT picks crypto that will outperform in 2026 appeared first on Finbold .
