Angel investor and crypto educator Armando Pantoja is pushing back on the growing frustration in the XRP community. In a recent video shared on social media, he explained that many holders are too focused on XRP’s price – and missing the real value behind the asset.
According to Pantoja, XRP doesn’t need to skyrocket to $10,000 or even $100 to be life-changing. What matters, he argues, is the return on investment and the token’s real-world utility. The message comes at a time when many retail investors are feeling left out, watching Bitcoin climb to fresh all-time highs above $112,000 while XRP continues hovering in the $2.30 range.
He acknowledged the sentiment that XRP seems stuck while BTC continues to break records. But he pointed out that when you zoom out, XRP is actually delivering solid gains. Over the past year, Bitcoin is up roughly 52%, while XRP has jumped more than 300%, moving from under $0.50 to over $2.10.
That kind of growth, Pantoja says, shows why price alone doesn’t tell the full story. He explains that investors too often obsess over price targets instead of calculating ROI. For example, getting a 3x return on Bitcoin from here would require BTC to hit $300,000. But for XRP to deliver the same return, it only needs to reach around $6.90.
He also highlighted the market cap gap between the two assets. XRP currently holds about 7% of Bitcoin’s market cap, meaning it has more room to run in percentage terms. That’s an important point for those looking to maximize their investment upside.
Beyond price, Pantoja reminded viewers of XRP’s utility. He said XRP is one of the few crypto projects that actually has a clear use case. It’s built for fast and cheap cross-border payments. Transactions take just a few seconds to settle and cost less than a cent. XRP can handle up to 1,500 transactions per second – that’s close to what traditional systems like SWIFT can do.
In Pantoja’s view, XRP is designed not for hype, but for infrastructure. And that’s why it holds long-term value.
He also encouraged investors to stop comparing XRP and Bitcoin as if they were in a battle. He sees them as serving different purposes – Bitcoin as a store of value, XRP as a payments network. Smart investors, he says, don’t need to choose between them. They simply need to understand their roles and invest accordingly.
The takeaway? Don’t wait for $10,000 to feel good about XRP. Focus on the gains it’s already offering, and more importantly, the real-world systems it might soon power.
Read also: XRP Yield Is Coming via This Big US Exchange + Flare Network
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