XRP (Ripple) and Dogecoin: Which Cryptocurrency Shows More Potential for Investors?
In the dynamic world of cryptocurrencies, Ripple and its digital asset, XRP, are making waves in the cross-border payments sector.
As of July 18, 2021, XRP boasts a market capitalization of $203 billion, surpassing the values of financial giants such as Coinbase, SoFi, Circle Internet Group, Robinhood, and PayPal. Yet, it's important to note that this article does not recommend buying XRP at the current moment.
Ripple's payment network, powered by XRP and its On-Demand Liquidity (ODL) service, has been adopted by over 300 institutions, processing about $2.5 billion in cross-border payments. This adoption rate, while smaller than SWIFT's massive scale in global bank transfers, is accelerating in select corridors where speed and cost-efficiency matter most.
The growing adoption of Ripple's network, combined with a landmark SEC settlement in 2025 that validated XRP as a non-security and removed major legal uncertainty, has catalyzed institutional confidence and inflows into XRP. PayPal's expanded support and the high probability of XRP spot ETFs approval are poised to attract significant institutional capital, supporting further growth and adoption.
Regarding investment prospects, these developments make XRP a more attractive long-term asset. Analysts predict XRP's price potentially reaching $5 by mid-2026, driven by institutional demand and banking integration. However, competition from stablecoins and SWIFT's own blockchain initiatives present risks.
It's worth noting that XRP is playing a role in redefining the payments industry, albeit a small one at the moment. XRP is a bridge currency offered through Ripple's payment network, designed to improve cross-border transactions by offering faster speeds and lower fees compared to SWIFT and other legacy payments infrastructure providers.
However, it's crucial to approach investments in XRP with caution. A lot of the upside is already priced into XRP, and it has been caught up in a momentum trade. Moreover, Ripple's adoption is significantly lower than SWIFT's, with estimates suggesting that Ripple has been adopted by between 200 to 300 institutions across 50 countries, compared to more than 11,000 institutions across over 200 countries relying on SWIFT.
In summary, Ripple’s improving adoption and clarified legal status have materially enhanced XRP’s investment appeal, positioning it as a compelling cross-border payments solution alternative, though it remains smaller and less universal than SWIFT as of 2025.
Meanwhile, Dogecoin, a meme coin without underlying utility like Bitcoin, XRP, or Ethereum, has seen outsized buying activity in response to various narratives, including the reelection of Donald Trump in November 2020. However, it's important to approach Dogecoin investments with a critical eye, as its price is often influenced by narratives that may not come to fruition.
The Department of Government Efficiency (DOGE) is independent of Dogecoin, and the Trump administration's creation of the Department of Government Efficiency was not an endorsement for Dogecoin.
In the broader cryptocurrency market, Bitcoin and crypto-adjacent stocks like Coinbase and Robinhood are hovering near all-time highs in 2025, reflecting the overall bullish sentiment in the sector.
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