XRP Doesn’t Need to Hit $10K to Be Life-Changing

XRP remains a powerful investment option not because of an inflated price target, but due to its consistent utility and strong return on investment, according to prominent angel investor and crypto advocate Armando Pantoja.

In a recent video interview, Pantoja addressed the growing irritation among XRP holders, many of whom have watched other cryptocurrencies surge while XRP’s growth has been modest. He emphasized that obsessing over a hypothetical $10,000 target misses the true advantage offered by XRP.

Frustrated XRP investors often compare the token’s muted price movements with the explosive performance of cryptocurrencies like Bitcoin. For example, Bitcoin recently reached another record high near $112,000. Meanwhile, XRP continues to hover around $2.30. While this disconnect has caused concern, Pantoja urged investors to shift perspective.

ROI Over Price Headlines

Pantoja argued that price alone isn’t a reliable measure of an asset’s potential. Instead, investors should look at the return on investment (ROI) relative to the cost of entry. For retail participants, increasing their capital threefold is a meaningful goal, and XRP offers that with far less upward movement than Bitcoin would require.

He illustrated this by noting a simple comparison: tripling an investment in Bitcoin would necessitate the price climbing above $300,000. For XRP, the same ROI could be achieved if it merely rose to just under $8. That positions XRP as a far more accessible growth asset for newer or smaller investors.

With XRP’s market capitalization sitting at roughly 7% of Bitcoin’s, it has more room to grow on a percentage basis. Pantoja argued that far too many investors are focused on arbitrary price goals instead of evaluating realistic growth paths based on the asset’s fundamentals and market position.

In contrast to Bitcoin’s 52% increase over the past year—rising to around $103,800—XRP saw a dramatic 312% jump, even though it’s currently valued at $2.13. This outperformance often goes overlooked when investors focus solely on nominal price levels rather than percentage-based returns. This comparison becomes more compelling when one considers XRP’s smaller market cap and its technological use cases.

XRP’s Strength Lies in Real-World Use

Pantoja also spotlighted XRP’s real-world application as a distinguishing factor. Unlike speculative tokens, XRP serves a clear purpose within the financial ecosystem. Designed for fast, cost-efficient international payments, XRP is capable of processing up to 1,500 transactions per second and can settle transactions in less than five seconds.

This level of efficiency rivals and, in many cases, surpasses traditional financial messaging standards like SWIFT. This infrastructure advantage positions XRP as a strong candidate for adoption by institutions and payment providers looking to modernize cross-border transfers and reduce transaction costs.

Given these attributes, Pantoja urged investors to refocus their attention on XRP’s long-term fundamentals instead of being distracted by short-term price volatility. As he pointed out, XRP doesn’t have to climb to $10,000—or even $100—to provide significant financial impact. What truly matters is the underlying technology and the meaningful advancements in real-world adoption it enables.

Not a Rival, but a Complement

Pantoja further clarified that XRP and Bitcoin should not be seen as competing entities. He described Bitcoin as ‘digital gold’—a robust store of value, while XRP is engineered for high-speed transactional utility. These different roles allow each asset to coexist within a diversified investment portfolio.

He recommended that investors evaluate how much of their portfolio to allocate to each asset based on their individual risk tolerance and financial goals, rather than pitting one against the other. Emphasizing this nuanced view, Pantoja’s insights offer a more strategic framework for crypto investment, especially for those seeking balance between value storage and utility-driven growth.

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

In summary, the message for XRP holders is clear: patience, understanding, and attention to fundamentals are more valuable than chasing unrealistic price targets. That mindset shift, according to Pantoja, is exactly what can make XRP a life-changing asset—even without hitting astronomical price levels.