Angel Investor Says XRP Doesn’t Need to Hit $10,000 to Change Your Life

The real value of XRP is not in its price but in its return on investment and utility, according to Armando Pantoja, an angel investor and crypto influencer.

He emphasized that XRP does not need to reach $10,000 to deliver meaningful returns for holders. Pantoja expressed this perspective in a recent video, addressing the common frustration among XRP holders about the token’s lack of dramatic price movement.

He noted that many retail investors are ready to give up, feeling that XRP is stagnant while other cryptocurrencies, like Bitcoin, continue to break records. However, Pantoja argues that this view misses the bigger picture.

Notably, Bitcoin set a new all-time high near $112,000 this month. In contrast, XRP remained around $2.30, failing to benefit from Bitcoin’s momentum. While this divergence has been a hot topic, Pantoja believes the discussion often overlooks the true value proposition.

Price Doesn’t Equal Potential

Instead of focusing solely on price, Pantoja emphasizes the importance of return on investment (ROI). He noted that while XRP trades below $3, its growth potential should be assessed relative to its cost of entry.

For example, tripling your investment in Bitcoin would require the asset to surpass $300,000. In contrast, XRP would only need to rise to just under $8 to deliver the same ROI.

He also points out that XRP’s market cap is only about 7% of Bitcoin’s, making significant percentage gains more feasible.

Pantoja believes that investors often overestimate the importance of absolute price targets and underestimate the ability of smaller-cap assets to deliver outsized returns.

Another argument XRP proponents use to counter the frustration surrounding XRP’s stagnation is its long-term performance. Notably, Bitcoin is up 52% over the past year, relative to its current price of $103,800.

Meanwhile, XRP, trading at $2.13, has seen a more impressive 312% gain over the same period.

XRP Is for Utility, Not Hype

Pantoja also commented on XRP’s core value proposition. He noted that its real-world utility sets XRP apart from many other cryptocurrencies.

XRP offers fast, low-cost international transactions. It can settle payments in under five seconds and process up to 1,500 transactions per second. It also offers performance metrics that rival traditional financial systems like SWIFT.

This infrastructure-focused approach positions XRP as a leading candidate for integration into future global payment systems, especially as financial institutions seek to modernize and streamline cross-border transactions, Pantoja noted.

At the same time, he encourages investors to shift their attention away from daily price charts and focus instead on long-term fundamentals. He stressed that XRP doesn’t need to hit $10,000 or even $100 to significantly impact someone’s financial future. What matters more is understanding the technology and potential for real-world adoption.

Bitcoin and XRP Aren’t Rivals

Rather than viewing XRP and Bitcoin as competing assets, Pantoja encourages investors to see them as complementary. Bitcoin serves as a store of value, akin to digital gold, while XRP is designed for utility and high-speed, real-world payments. Each has a distinct role in the evolving crypto ecosystem.

For informed investors, the question isn’t which asset is better. Instead, it is about how much of their portfolio should be allocated to each, based on their risk profile and investment goals.