In the ongoing debate between top cryptocurrencies, one question keeps popping up — which is the better investment right now: XRP or Bitcoin? While Bitcoin has long been the face of crypto, some market experts are now arguing that XRP may offer a more attractive return on investment (ROI), especially for retail investors looking for high-growth potential.

The Case for XRP Over Bitcoin

Edoardo Farina, founder of Alpha Lions Academy and a known voice in the crypto space, recently made headlines with a bold claim: “You’d have to be insane to think Bitcoin at $106K is a better investment than XRP.” Farina points to the current price gap between the two assets and the potential upside of XRP, which he believes could outperform Bitcoin in the current market cycle.

As of now, Bitcoin is trading just above $105,000, while XRP is priced around $2.10. Farina argues that from this price point, XRP offers a much higher risk-reward ratio. He backs up his claim by looking at historical performance data and recent price movements.

Looking at Historical Gains

Farina recalls the market conditions from late 2024, when XRP was trading at $0.50 and Bitcoin was around $70,000. Within a short span, XRP surged to $3.40, delivering nearly 7X gains for early investors. During the same time, Bitcoin reached an all-time high of about $112,000, which translated to only a 64% gain.

To put it in perspective, an investor who bought 100,000 XRP at $0.50 in November 2024 would have turned $50,000 into $340,000 by January 2025. In contrast, the same investment in Bitcoin would have grown from $50,000 to only around $82,000. That’s a massive gap in returns, reinforcing the idea that XRP might be the better bet — at least in terms of ROI potential.

Asymmetric Opportunities for Retail Investors

Another key point in the XRP vs Bitcoin investment discussion is accessibility. Most average investors can’t afford to buy even one whole Bitcoin, let alone expect it to multiply several times over. At its current price, $10,000 buys only 0.09 BTC, which would be worth around $47,000 if Bitcoin hits the ambitious $500,000 mark — a figure many analysts consider a long shot.

On the other hand, the same $10,000 would purchase over 4,700 XRP tokens at $2.10. If XRP rises to $10 or even $20, that same investment could turn into $47,000 to $94,000, offering a much higher return potential with a lower entry point.

Predictions: Could XRP Hit $100?

Farina and other XRP proponents are not stopping at short-term targets. In past statements, he has predicted that if Bitcoin were to reach $500,000, XRP could climb to $100. This would mean a 5X gain for Bitcoin holders but a 40X return for XRP investors — an eye-catching difference.

These forecasts may sound optimistic, but they are based on repeatable price patterns. Analysts have noted that XRP tends to surge following consolidation phases and technical breakout patterns, similar to what happened in 2017 and 2021.

Skeptics Push Back

Of course, not everyone agrees with the pro-XRP argument. Critics are quick to point out that XRP has not yet returned to its all-time high of $3.84, reached back in 2018. Meanwhile, Bitcoin has more than doubled its previous highs, consistently setting new records. This raises the question: If XRP has struggled to reclaim past highs, can it really be expected to outperform Bitcoin in the future?

Others also cite the ongoing legal and regulatory hurdles XRP has faced — particularly its legal battle with the U.S. SEC. However, with growing clarity around regulations and the potential for XRP ETFs, sentiment around the asset has started to shift positively.

Final Thoughts

So, is XRP a better investment than Bitcoin in 2025? The answer depends on your risk tolerance, investment timeline, and belief in the project’s fundamentals. Bitcoin remains the market leader with strong institutional support and a proven track record. But for investors looking for higher ROI potential with lower initial capital, XRP might be the more attractive option in the current market landscape.

As always, it’s important to remember that all crypto investments come with risks. Do your own research (DYOR), assess your financial goals, and avoid making decisions based purely on price speculation.