XRP Positioned to Surpass Bitcoin, Research Suggests

XRP is gaining renewed attention as a potential successor to Bitcoin, driven by mounting evidence from years of research and expert analysis. A respected researcher and well-known figure within the XRP community, known as SMQKE, has curated findings from eight independent documents that argue XRP could be poised for Bitcoin-like growth and adoption.

Notably, this conversation was reignited following a recent interview with media personality Dave Portnoy, who confessed to investing in XRP based on a fear of missing out. Portnoy admitted that while his decision wasn’t rooted in deep technical research, the prospect of XRP replicating Bitcoin’s meteoric rise was too compelling to ignore.

SMQKE, on the other hand, took a more analytical approach, pointing to eight independent sources that collectively illustrate XRP’s potential to become a foundational asset within global finance. These documents, drawn from credible outlets and experts, explore various angles including energy efficiency, transaction speed, institutional partnerships, and regulatory readiness.

XRP’s Transaction Model is Faster and Greener

One compelling piece of evidence comes from a December 2022 study exploring XRP Ledger’s use in energy trading. This report highlights that XRP uses a Federated Byzantine Agreement (FBA) consensus mechanism rather than the proof-of-work system used by Bitcoin. As a result, XRP achieves transaction finality within 3 to 4 seconds at a fraction of a cent, a stark contrast to Bitcoin’s 10-minute block times. Additionally, the XRP Ledger achieved carbon neutrality in 2020, appealing to environmental priorities increasingly valued in the financial sector.

Another discussion at Dcfintechweek emphasized the importance of cryptocurrencies that offer real utility. XRP stood out among digital assets actively contributing to financial innovation, distinguishing itself through tangible use cases.

Institutional Recognition and Real-World Applications

According to a report from Morgan Stanley, XRP’s consensus model not only minimizes energy consumption but also accelerates transaction verification. While the report acknowledges XRP’s relatively centralized structure, it also points out that this may make the asset better suited for integration with traditional financial systems, a possible edge over Bitcoin when it comes to mainstream regulation and adoption.

Further evidence is provided in a Trade Finance Global report that described XRP as “Bitcoin for banks.” This framing stems from Ripple’s early mission to improve international transactions. Large financial institutions are already experimenting with Ripple’s technology for cross-border transfers, reinforcing its status as more than just a speculative asset.

Prepared for Global Financial Integration

Another important insight is found in a document from nocash.ro discussing ISO 20022, a new global financial messaging standard. XRP is one of the few cryptocurrencies already compliant with this standard, which is expected to facilitate compatibility with central bank digital currencies (CBDCs) and legacy financial systems.

Meanwhile, a paper from the Asian Development Bank (ADB) recognized XRP’s relevance in institutional finance. Unlike Bitcoin and Ethereum—which are often sidelined by traditional systems—XRP is increasingly being viewed as a bridge between decentralized assets and traditional payment systems.

Support from Financial Experts and Legacy Institutions

Complementing this, a 2018 letter shared with the U.S. Federal Reserve urged policymakers to adopt Ripple technology to modernize outdated payment infrastructures. The letter heralded Ripple for its speed, security, and future-readiness, cautioning that the United States could lag technologically if it failed to innovate in its financial systems.

Finally, an academic report from the Waterford Institute of Technology concluded that Ripple holds distinct advantages over both Bitcoin and SWIFT. The study emphasized that innovations like Ripple could transform how banks serve customers, presenting a streamlined alternative to today’s legacy infrastructure.

Related: Expert Advice: Sell XRP If You’re Confused

Combined, these eight documents articulate a cohesive narrative: XRP isn’t just another cryptocurrency trying to ride Bitcoin’s coattails. It’s a digital asset with demonstrable utility, institutional traction, regulatory readiness, and environmental appeal. According to SMQKE and aligned thinkers, these qualities position XRP to potentially become the next dominant force in the cryptocurrency space—possibly even the next Bitcoin.