Expert Says You’d Have to Be Insane to Think Bitcoin is a Better Investment Than XRP

Industry commentators are debating which asset, XRP or Bitcoin, offers a better investment opportunity at current price levels.

Leading the conversation is Edoardo Farina, founder of Alpha Lions Academy. He suggests that XRP presents a more attractive risk-reward profile in the current market cycle. According to him, XRP’s price potential remains conservative and realistic compared to Bitcoin trading above $100,000.

“You’d have to be insane to think Bitcoin at $106K is a better investment than XRP,” he said.
Why XRP “Is a Better Investment Than Bitcoin”
Notably, XRP is trading around $2. Farina’s statement implies that the coin could outperform and deliver greater returns than Bitcoin, which is already in the six-figure price range.

Farina points to previous market conditions, such as when XRP was $0.50 while Bitcoin traded at $70,000 in 2024. From that range, XRP went on to reach $3.40, offering approximately a 7X return for holders.

To put it in perspective: 100,000 XRP tokens purchased at $0.50 in November 2024 for $50,000 would have grown to $340,000 by January 2025. With XRP’s current price at $2.10, the asset still holds over 4X gains for those investors.

Meanwhile, Bitcoin rose from about $68,000 during the same period to a new all-time high of approximately $112,000. This amounted to a 64% gain, whereas XRP delivered nearly ten times more. For comparison, $50,000 invested in Bitcoin in November 2024 reached a peak value of only around $82,352.

In contrast, the same $50,000 invested in XRP grew to $340,000. Given this significant performance gap, XRP proponents continue to advocate for the asset over Bitcoin.
“XRP Could Do 40X if Bitcoin Reaches $500K”
One commenter responding to Farina’s post emphasized that the conversation isn’t about being anti-Bitcoin, but about recognizing asymmetric opportunities. 

With XRP at $2, they argued that even a move to $5 or $10 would represent significant upside in multiples higher than what Bitcoin could realistically achieve from its current position.

Another user highlighted the limitations of average retail investors, noting that most people don’t have $10,000 to invest in Bitcoin, let alone expect it to multiply several times over. 

They argued that allocating such capital to XRP makes more sense from a return-on-investment perspective. At current prices, $10,000 would buy only about 0.09 BTC, which would return $47,000 if Bitcoin hit $500,000, a scenario they called a “big if.” 

By contrast, XRP offers significantly higher ROI potential for the same investment, in their view. Farina agrees with this perspective. 

In a previous commentary, he boldly asserted that if Bitcoin rose to $500,000, XRP could soar to $100. In that case, Bitcoin would deliver a 5X gain for holders, while XRP would yield over 40X.
Critics React: XRP Still Lags When Looking at History
However, critics are challenging the pro-XRP narrative against Bitcoin. One commenter questioned the comparison by highlighting XRP’s historical performance.

Specifically, they noted that while Bitcoin has risen from $20,000 to over $112,000 since its 2017–2018 highs, XRP has still not returned to its previous all-time high from the same period. 

This challenges the assumption that XRP’s lower price relative to Bitcoin means it will necessarily perform better in the future, particularly given XRP’s long-standing historical underperformance.