XRP vs BitTensor: Which Altcoin is a Better Investment?

▲ XRP/AI generated image ©

An analysis suggests that XRP (Ripple), which holds global payment expectations, is more advantageous from a long-term investment perspective compared to BitTensor, which is riding the artificial intelligence (AI) craze.

According to the investment media The Motley Fool on April 9 (local time), XRP and BitTensor (TAO) are considered representative altcoins targeting the global payment market and the artificial intelligence (AI) market, respectively. XRP aims to innovate cross-border payment infrastructure, while BitTensor is a project that aims for the development and sharing of decentralized AI models.

Current market trends show contrasting movements. XRP has fallen by about 30% since the beginning of the year, while BitTensor has risen by more than 40%, drawing attention as a representative altcoin for 2026. However, unlike short-term performance, long-term growth potential receives a different evaluation.

XRP's potential to replace global payment systems is its key investment point. Ripple is expected to replace some transactions on the SWIFT (Society for Worldwide Interbank Financial Telecommunication) network, with projections suggesting it could handle approximately 14% of total transaction volume, or $21 trillion annually, by 2030. Furthermore, since 2023, approximately $3 billion has been invested in building payment infrastructure.

If such a scenario materializes, analysis suggests that the XRP price could rise from its current level of $1 to up to $10. Based on a market capitalization of approximately $80 billion, it is also mentioned that it could become the second-largest asset after Bitcoin.

▲ BitTensor (TAO)/AI generated image ©

On the other hand, while BitTensor targets the massive market of combining AI and blockchain, it also carries significant uncertainty. The concept of decentralized AI is still in its early stages, and with a current market capitalization of approximately $3.3 billion, it has high growth potential but also a high-risk structure. Notably, its approximately 60% drop from its past peak is cited as an example demonstrating its volatility risk.

Ultimately, while both assets demand 'faith in the future' from investors, XRP, with its more realistic growth path of combining traditional finance and blockchain, is evaluated as a relatively stable choice.

*Disclaimer: This article is for investment reference only, and we are not responsible for any investment losses based on it. The content should be interpreted for informational purposes only.*