Market analyst Daniel Harris has expressed strong confidence in XRP’s upside potential compared to Bitcoin, arguing that the altcoin offers a more attractive opportunity for retail investors ahead of the next market rally.
In a post shared on X, Harris stated that his “money is on XRP all the way” when asked how he would allocate a hypothetical $1,000 investment between Bitcoin and XRP.
He explained that, based on current prices, Bitcoin is trading around $107,000, and XRP at approximately $2.40, the same investment would yield vastly different holdings, only 0.009 BTC or about 416 XRP.
Harris used this comparison to illustrate why smaller-cap assets often appeal more to retail investors. In his view, XRP’s lower price and smaller market capitalization give it more room for rapid expansion during bullish phases.
He argued that the chances of XRP doubling or even increasing tenfold in the short term are higher than Bitcoin achieving the same growth, given the disparity in market size.
If you have $1000 to invest do you want:
$1000 / $120,000 = 0.0083 BTC
or
$1000 / $2.40 = 416.67 XRPThen fast forward 90 days from today:
Which is more likely to 2X, 4X or even 10X during the upcoming altseason?Now fast forward to 3 years from now and what will your return…
— Daniel Harris (@DanielLHarrisUS) October 20, 2025
At present, XRP’s market capitalization sits near $145 billion, whereas Bitcoin’s exceeds $2.1 trillion. Harris suggested that it is far more feasible for XRP to reach $300 billion than for Bitcoin to double to $4.4 trillion, particularly within a 90-day timeframe.
His analysis aligns with a growing sentiment among altcoin advocates who believe that smaller, utility-driven assets can outperform dominant cryptocurrencies during specific market cycles.
Altcoins’ Accessibility and Appeal
Harris’ remarks were made in response to Dom Kwok, co-founder of EasyA, who recently discussed the psychological barriers new investors face when entering the market. According to Kwok, the high unit price of Bitcoin discourages first-time buyers, even though fractional ownership is possible.
He explained that many prefer purchasing entire coins of lower-priced tokens, which feels more tangible and rewarding than holding small fractions of Bitcoin.
Kwok emphasized that the issue is not financial capability but perception. New investors tend to associate owning a whole coin with greater value or progress, a mindset that continues to drive enthusiasm toward affordable altcoins such as XRP, ADA, and SOL.
The Counterpoint: Bitcoin’s Fractional Advantage
The conversation originated from comments made by Brian Armstrong, CEO of Coinbase, who countered the claim that crypto is too expensive. Armstrong reiterated that investors can buy any portion of Bitcoin or Ethereum, removing barriers to entry for those with limited capital.
Nonetheless, both Kwok and Harris argued that investor psychology remains a decisive factor. Even with fractional purchasing available, many people still gravitate toward coins with lower nominal prices, particularly in the early stages of an altseason, when such assets have historically delivered higher percentage gains.
For example, over the past year, Bitcoin’s value has increased by about 60%, while XRP has recorded gains exceeding 380%. This performance gap supports Harris’ view that smaller-cap cryptocurrencies can generate stronger returns during speculative rallies.
However, analysts also caution that this potential comes with greater risk. Unlike Bitcoin, which tends to experience moderate corrections, altcoins often face much steeper declines during market downturns.
A 5% Bitcoin pullback can translate to losses of 30–50% in some lower-cap tokens, making timing and risk management crucial for investors drawn to XRP’s growth prospects.