If Holding for 10 Years, Bitcoin vs. XRP: Which Is the Better Choice?

▲ Bitcoin (BTC), XRP (XRP) / ChatGPT-generated image ©

An analysis has suggested that if one were to choose a cryptocurrency to hold for 10 years, the conclusion is surprisingly simple.

According to investment media outlet The Motley Fool on February 14 (local time), Bitcoin (BTC) is considered relatively more advantageous than XRP (XRP, Ripple) from a long-term holding perspective over the next decade. While both assets have established themselves as industry leaders, the environment over the coming 10 years could prove more challenging for one than the other.

Bitcoin has a clear identity as a “store of value.” Its supply is capped at 21 million coins, with approximately 20 million already in circulation. New issuance is halved according to a predetermined schedule, and this structure is unlikely to change significantly through 2036. With a market capitalization of about $1.4 trillion, it serves as a benchmark for the cryptocurrency market, and its price stands at $70,051. Despite experiencing past drawdowns of more than 80%, the long-term investment thesis remains intact.

In contrast, XRP is playing a completely different game. It aims to be used as a payment and settlement infrastructure within institutional financial systems, and over the next decade, the XRPL must achieve broad adoption across three areas: payment networks, tokenized asset management platforms, and institutional financial tools. Its current price is $1.47, with a market capitalization of approximately $90 billion.

The key issue is competition. XRP already faces numerous rivals in all three areas, and competition is likely to intensify further. Given that continued price appreciation depends on consistently expanding market share and maintaining both technical and business execution capabilities, a 10-year horizon is by no means short.

Ultimately, the outlet assessed that Bitcoin, which does not require major structural changes from a long-term holding perspective, represents the more stable choice. While XRP is not a poor investment, it carries relatively higher execution risk, as it depends on sustained competitive success to justify long-term gains.

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