According to Standard Chartered analyst Geoff Kendrick, XRP might be on track to overtake Ethereum’s market cap within the next three years.
🔹 Why XRP?
Unlike Bitcoin (a store of value) or Ethereum (the backbone of DeFi), XRP is laser-focused on solving cross-border payments. Its utility as a bridge currency allows banks and corporations to move funds instantly, cheaply, and without relying on outdated systems like SWIFT.
🔹 What’s Driving the Bull Case?
●Ripple’s legal clarity is improving, reducing regulatory risks.
●Potential approval of XRP ETFs could drive mainstream adoption.
●Banks and institutions are actively exploring. XRP for high-liquidity global transactions.
🔹 Challenges Ahead
■Ripple adoption doesn’t guarantee direct XRP usage.
■Ethereum still dominates DeFi, though it faces competition from Solana & Cardano.
■Stablecoins and CBDCs could weaken XRP’s edge.
📊 Today, XRP’s market cap is already bigger than PayPal or Block, but to surpass Ethereum, everything needs to align nearly perfectly.
⚡️ Investor Takeaway: XRP has strong potential in payments, but it’s not without risks. For now, it may be a token to watch closely rather than rush into aggressively.
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