In spite of the market upheavals experienced this year, both the S&P 500 (^GSPC) and Nasdaq Composite (^IXIC) have remarkably reached record highs in recent trading periods. These records underscore the robustness of stock investments, yet other investment classes have also shown significant growth throughout the year 2025.
2025 has proven to be a remarkable year for those investing in cryptocurrencies. Notably, the value of Bitcoin is close to its peak levels, while stocks associated with cryptocurrency like Coinbase and Robinhood are also seeing record highs.
As cryptocurrency acceptance grows, some investors might be exploring options outside the well-known choices and giving thought to investments in lesser-known alternatives like Ripple (XRP) or Dogecoin (DOGE).
In this discussion, we’ll delve into the potential of XRP and Dogecoin as investment options and determine which digital currency offers the better value. While both are gaining traction within the cryptocurrency market, the following analysis aims to highlight why one of these two – XRP or Dogecoin – is likely to outperform in the future.
What investors need to know about investing in XRP
Generally, establishments such as businesses, administrations, and major banks rely on the Society for Worldwide Interbank Financial Telecommunication (SWIFT) network for international money transfers. While it’s widely used, transferring funds via SWIFT can often take multiple days to finalize and incur substantial charges.
To streamline and reduce costs for a lengthy and pricey procedure, the fintech company known as Ripple developed an alternative payment system aimed at swiftly settling transactions (within seconds) and offering lower fees compared to systems like SWIFT and traditional payment infrastructure providers. XRP serves as a connecting currency within Ripple’s payment network.
Exploring new ways to transfer funds internationally presents a significant chance. This is the reason behind the enthusiasm of investors regarding XRP’s prospects. However, it’s crucial to grasp certain aspects of XRP before making an investment decision.
Initially, it’s important to note that Ripple’s adoption is significantly less extensive than SWIFT’s. Currently, over 11,000 institutions worldwide, spanning more than 200 nations, utilize the SWIFT network. In contrast, industry studies suggest that Ripple has been integrated by approximately 200 to 300 institutions across roughly 50 countries.
It’s essential to note that the expansion of Ripple’s payment system doesn’t automatically imply growth for XRP. Fiat currency transactions can be easily carried out on Ripple’s network without involving XRP, so institutions don’t necessarily have to buy it.
What investors need to know about investing in Dogecoin
Dogecoin and XRP are two distinct digital currencies. While XRP serves a specific purpose and has underlying utility similar to Bitcoin and Ethereum, Dogecoin was originally created as a joke based on an internet meme. Unlike XRP, it doesn’t have the same practical applications or value proposition.
Similar to many meme-based investments, Dogecoin’s value tends to be heavily influenced by stories or narratives that don’t always materialize. A prime example is the surge in Dogecoin transactions following the re-election of President Donald Trump last November, which sparked a significant increase in buying activity.
In simpler terms, certain investors perceived the establishment of the Department of Government Efficiency (DOGE) by the Trump administration as a potential sign of approval for the cryptocurrency Dogecoin because they share the same abbreviation (Dogecoin is represented by the ticker symbol DOGE).
heads up: It’s important to note that the Department of Government Efficiency operates independently from Dogecoin. Additionally, while this administration has been favorable towards the crypto sector in general, it hasn’t directly influenced new crypto-friendly laws to benefit Dogecoin specifically.
What’s the verdict?
In my opinion, when considering which between XRP and Dogecoin is more worthwhile for investment, I’d go with XRP. While Dogecoin has its place, XRP is currently making a significant impact in reshaping the payment sector, although it’s still relatively minor at this point.
By the end of trading on July 18th, XRP had a market capitalization that towered over $203 billion. This figure is more than twice the size of Coinbase, and significantly larger than other prominent fintech companies like SoFi, Circle Internet Group, Robinhood, and PayPal in terms of both size and diversity.
From my perspective, much of the potential profit in XRP seems to be reflected in its current price, and it appears to be involved in a trend driven by momentum. Although I consider XRP more advantageous than Dogecoin, I’m not convinced it’s an ideal purchase at this moment.
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2025-07-24 13:42