Better Buy in 2026: XRP, Dogecoin, or Bitcoin?

Core Insights - Ripple launched a stablecoin called Ripple USD in 2024, which is designed for payments with virtually zero volatility, contrasting with the significant price fluctuations of XRP [1] - XRP ended 2025 in a negative position due to structural issues, as banks can utilize Ripple Payments without needing to use XRP, limiting the token's value growth [2] - XRP had a strong year in 2025, with the U.S. SEC settling its legal battle against Ripple and the approval of spot XRP exchange-traded funds, leading to a record high for the token [3] Ripple and XRP Overview - Ripple operates the Ripple Payments network, enabling global banks to conduct instant cross-border transactions, using XRP to standardize transactions and reduce foreign exchange fees [4] - The total cryptocurrency market value was $3.1 trillion at the start of 2026, down 28% from its all-time high, indicating a challenging environment for cryptocurrencies including XRP [5][6] Comparative Analysis of Cryptocurrencies - Bitcoin, XRP, and Dogecoin all faced losses in 2025, with Bitcoin holding a market cap of $1.8 trillion, representing over half of the total cryptocurrency market [10] - Bitcoin is viewed as a digital version of gold, with attributes such as decentralization, capped supply, and a secure blockchain system contributing to its perception as a store of value [11][12] - Predictions suggest Bitcoin could appreciate significantly, with estimates of reaching $21 million per coin by 2045, although current usage as a payment mechanism is limited [13][15] Future Outlook - Bitcoin is considered to have the best potential for positive returns in 2026, while XRP and Dogecoin face ongoing structural challenges that may hinder their value [14] - The Motley Fool's Stock Advisor team has identified other stocks as better investment opportunities compared to XRP, indicating a cautious outlook for the token [16][18]