According to Armando Pantoja, an angel investor and crypto influencer, the real value of XRP lies not in its price, but in its return on investment and utility.
He emphasized that XRP does not need to reach $10,000 to provide meaningful returns to its owners. Pantoja Expression This perspective addresses a recent video that deals with the general complaints among XRP holders as well as the general complaints about the dramatic lack of price transfers for tokens.
He feels that many retail investors are ready to give up and that while XRP is stagnating, other cryptocurrencies like Bitcoin continue to break records. However, Pantoja claims that this view overlooks the larger picture.
In particular, Bitcoin set a new all-time high of nearly $112,000 this month. In contrast, XRP remained at around $2.30 and did not benefit from Bitcoin’s momentum. This difference has been a hot topic, but Pantoja believes that discussions often overlook a true value proposition.
Prices are not comparable to potential
Pantoja emphasizes the importance of return on investment (ROI) rather than focusing solely on prices. He pointed out that XRP is below $3, but its growth potential should be assessed relative to entry costs.
For example, to triple your investment in Bitcoin, your assets need to exceed $300,000. In contrast, XRP only goes up to just under $8 to deliver the same ROI.
He also points out that XRP’s market capitalization is only about 7% of Bitcoin, making it more feasible for a significant percentage of profit.
Pantoja believes investors often overestimate the importance of absolute price targets and underestimate the ability of small assets to deliver large returns.
Another debate XRP supporter that we use to counter the frustration surrounding XRP stagnation is its long-term performance. Bitcoin, in particular, has increased by 52% over the past year compared to its current price of $103,800.
Meanwhile, XRP was trading at $2.13, showing a more impressive 312% increase over the same period.
XRP is for utility, not hype
Pantoja also commented on XRP’s core value proposals. He noted that its real-world utility sets up XRP separately from many other cryptocurrencies.
XRP offers fast, low-cost international trading. Resolve payments in under 5 seconds and process up to 1,500 transactions per second. It also offers performance metrics comparable to traditional financial systems like Swift.
This infrastructure-focused approach places XRP as a major candidate for integrating into future global payment systems. Pantoja pointed out in particular as financial institutions are trying to modernize and streamline cross-border transactions.
At the same time, he encourages investors to distract their attention from the daily price charts and instead focus on the long-term foundations. He emphasized that XRP doesn’t need to reach $10,000 or $100 to have a major impact on someone’s financial future. More importantly, we understand the techniques and possibilities of real-world adoption.
Bitcoin and XRP are not rivals
Rather than viewing XRP and Bitcoin as competing assets, Pantoja encourages investors to view them as complementary. Bitcoin acts as a store of value similar to digital gold, while XRP is designed for utility and fast real-world payments. Each has a distinct role in the evolving cryptoecosystem.
For informed investors, the question is not which assets are superior. Instead, it’s about how many of the portfolios are allocated to each based on their risk profile and investment goals.
