While ChatGPT did mention some ongoing concerns, like centralization and legal risks in certain countries, it felt that XRP had a stronger foundation for long-term growth.

In the end, ChatGPT recommended a 70/30 split—$7,000 into XRP and $3,000 into SHIB. That way, investors could lean on XRP’s steady progress while still giving SHIB a chance to shine if it delivers on its big ideasHowever, ChatGPT highlighted that there are concerns. According to the chatbot, these concerns are mainly the massive supply, its meme coin background, and the fact that its price is easily affected by large holders moving their tokens.

On the other hand, ChatGPT pointed to XRP as a more stable pick with real-world use. It highlighted XRP’s utility in cross-border payments, the support it has from banks and institutions, and its progress in clearing up regulatory uncertainty.