Should You Forget Bitcoin and Buy XRP (Ripple) Instead?

Group 1 - The core belief among XRP proponents is that as banks adopt Ripple's blockchain technology for faster and cheaper cross-border payments, the demand for XRP will significantly increase, leading to substantial returns for investors [1][2] - The investment thesis for XRP is based on the assumption that widespread adoption of Ripple's technology by banks will inherently boost the value of XRP, as it is the native token of Ripple [2] - However, most banks can leverage Ripple's technology without needing to hold XRP, which undermines the argument for XRP's price appreciation tied to bank adoption [3][4] Group 2 - Ripple's most utilized product, RippleNet, allows banks to achieve time and cost savings without the volatility associated with holding XRP, making it a more attractive option for financial institutions [4][6] - Some banks with liquidity challenges may use Ripple's On-Demand Liquidity (ODL) service, which requires holding XRP as a bridge asset for international transfers, but this is not the norm among major financial institutions [5][6] - The theory that increased bank adoption will lead to a significant rise in XRP's price is flawed, as most institutions prefer to use RippleNet, avoiding the need for XRP altogether [7][8]