As one of the leading cryptocurrencies in the world, XRP (CRYPTO: XRP) is often seen as a promising long-term investment, given its potential to revolutionize global finance and reduce fees. Its market cap of $116 billion still looks fairly modest in relation to Bitcoin, which is at nearly $1.8 trillion. In the past 12 months, both of these cryptocurrencies have been struggling. Bitcoin has fallen by 17%, and XRP is down by more than 40% (returns as of Jan. 26). With XRP's price recently falling more shar ...