Which Cryptocurrency Is More Likely to Be a Millionaire Maker? XRP vs. Shiba Inu
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Most investors know the lure of a lottery ticket. In crypto, that ticket often takes the form of a meme coin mising overnight riches -- and, in very rare cases,...
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cryptocurrency
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June 28, 2025
06:30 AM
The Motley Fool
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Most investors know the lure of a lottery ticket
In crypto, that ticket often takes the form of a meme coin mising overnight riches -- and, in very rare cases, buying the ticket does pay off
Yet wealth is far more commonly built the unglamorous way, not in a single moonshot, and more than one investor has lost it all betting on a speculative asset when a less flashy one held for the long term would have made them much richer
With global liquidity thawing and a fresh crop of crypto exchange-traded funds (ETFs) inching toward apval, chatter millionaire makers is back
Two fan favorites are quite in the conversation: XRP (XRP 2. 46%), a utility fin coin aimed at capturing institutional money flows, and Shiba Inu (SHIB 2. 33%), a meme coin powered almost entirely by vibes
Let's dig in and determine which of the two is more ly to make investors a lot wealthier
XRP's fundamentals look strong here One of XRP's biggest assets in the matchup against Shiba Inu is that its issuer, Ripple, is actively the XRP Ledger (XRPL) to appeal to a specific group of institutional investors
Ripple's ledger is built for banks, currency exchange houses, and those seeking payment rails
In April, Ripple agreed to buy prime broker Hidden Road for $1. 2 billion, bringing with it a client base that s roughly $3 trillion in trades each year into XRP's orbit
Now, Hidden Road's volume will be ed in the back end using the coin, which supports its price by increasing demand
Furthermore, offering institutional plumbing matters because it turns a token from a speculative chip into working capital
Momentum is building on the market-access side, too
Cash-settled XRP futures trading just launched in May, pulling in $19 million on day one
Analysts now assign roughly 90% odds of an XRP ETF getting the green light within months, which could only happen if futures trading were ceeding smoothly
The current set of macro conditions will also help buoy XRP's price
Central banks from Europe to Canada have recently pivoted to cutting interest rates, reducing the cost of borrowing money, and the Federal Reserve in the U
Is widely expected to cut rates before the end of 2025, turning liquidity from headwind to tailwind for risk assets XRP
Could these factors drive up XRP 100-fold and mint millionaires overnight
That would require a $12. 9 trillion market cap --from $126 billion today -- which is not happening anytime soon
But a realistic scenario of steady regulatory wins, ETF inflows (assuming the ETFs get apved), and continued banking adoption could still der a respectable and consistent return over the next decade
Shiba Inu could melt faces, but don't count on it making you millions Shiba Inu's elevator pitch is simple
What if there were a coin that could repeat Dogecoin's magic, but with trillions more tokens, and a mascot dripping with internet culture
Well, that coin might just go to the moon -- or so buyers are perpetually hoping
To mint a single new millionaire from a very large $10,000 stake, this coin must climb 100-fold, lifting its valuation to roughly $680 billion from $6. 8 billion today, which is to say it would need to be a bit bigger than some of the world's largest companies creating real value every day, Visa, which has a market cap of $678 billion
Image source: Getty Images
Defenders point to Shiba Inu's aggressive token burning gram
In mid-June, there were 116 million tokens burned, which sounds a lot
But 116 million is 0. 00002% of the supply, which means it's mathematically irrelevant to the coin's float of 589. 2 trillion tokens
Meanwhile, every macro catalyst that might lift Shiba Inu will also lift higher-quality assets
Investors chasing meme coins for the liquidity wave argument ignore that the same flood of easy money can flow into XRP as well, which has dramatically stronger fundamentals and thus more staying power
The bottom line here is that Shiba Inu is unly to make you a millionaire unless you already put down near-millionaire money or catch an unpredictable, sentiment-driven spike and exit before gravity returns -- and you almost certainly won't
For most long-term investors, that is neither a strategy nor a plan
In closing, XRP may not der a fairy-tale 100-fold gain, but at least it has a road map to justify calculated optimism and long-term holding
Alex Carchidi has no position in any of the stocks mentioned
The Motley Fool has positions in and recommends Visa and XRP
The Motley Fool has a disclosure policy.
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