Microsoft Copilot forecasted trading $XRP roughly from $2.20 to $2.60 in the second quarter of 2026, with growth potential up to $3 with significant improvement in market conditions. The AI model acknowledged that $XRP has already benefited from Ripple's agreement with the SEC in 2025, which removed a serious legal issue that had been weighing on investor confidence for many years. Copilot also pointed to over $1 billion in ETF inflows since the end of 2025 but warned that broader market potential would be needed to sustain momentum. One of the main issues was the already large market capitalization of $XRP, which is about $97 billion. According to Copilot, $XRP will require significant new capital to double or triple compared to current levels. The model also noted that $XRP remains highly volatile after falling more than 60% from the 2025 all-time high of around $3.60.