Quick Read
Peter Brandt’s “fool coin” label has merit: banks use XRP as a fleeting bridge asset, so billions in payment volume don’t drive token price.
ChatGPT pegs XRP’s fair value at $1.35, with end-2027 scenarios ranging from $1.80 to $4.25 depending on whether Swift or Ripple dominates cross-border payments.
Fund holdings of roughly 1.18 billion XRP are the key signal to watch: growth past $1.65 confirms value capture, while stagnation validates Brandt.
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The question on many minds is: does XRP have a future? Veteran trader Peter Brandt has labeled XRP (CRYPTO:XRP) a “fool coin,” arguing that its role in payments does not increase its value, especially compared with Bitcoin (CRYPTO:BTC). When 24/7 Wall St. asked ChatGPT the same question, the response offered a more balanced view.
ChatGPT disagrees with Brandt’s assertion that payment use lacks investment value. However, it acknowledges that a busy network doesn’t automatically drive up a token’s price. As of October 3, 2026, XRP is trading around $1.48, about 50% lower than it was a year ago. This raises an important question for current holders: can the token actually reflect the value created by its network?
Banks Can Use XRP Without Holding It for Long
ChatGPT’s argument starts with how payments are processed. When a bank utilizes XRP as a bridge asset to transfer dollars internationally, it buys XRP, moves it quickly, and then the recipient converts it into local currency. This means that while billions of dollars can pass through the network, very little XRP stays in anyone’s hands.
Additionally, Ripple can generate income through payment software and its RLUSD stablecoin—tied to the dollar—without this income necessarily impacting XRP’s price. Thus, ChatGPT points out that while bank adoption is a crucial first step, XRP’s value hinges on its ability to gain economic significance.
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Read More: Does XRP Have a Future? ChatGPT Responds to Peter Brandt’s “Fool Coin”
