- Cardano’s compatibility with Bitcoin, focus on privacy (Midnight Protocol), and strong decentralization are key strengths.
- Ripple’s potential victory in its SEC battle is a major factor for possible growth.
- Cardano targets privacy and scalability, while Ripple aims to fix slow, costly cross-border payments.
Cardano (ADA) and Ripple (XRP) are two of the most talked-about projects in crypto right now, sparking discussions from Washington, D.C., to financial hubs worldwide.
Altcoin Buzz YouTube podcast compares these two major cryptocurrencies to predict which one might have a bigger year in 2025.
Why Cardano (ADA) Could Be a Top Crypto in 2025
Altcoin Buzz pointed out that Charles Hoskinson’s leadership is bringing more attention and new opportunities to Cardano, especially with its recent integration as a Layer 2 solution for Bitcoin.
Cardano and Bitcoin both use the UTXO (Unspent Transaction Output) model, which gives them a compatibility that Ethereum’s externally owned accounts (EOAs) don’t have. Plus, Cardano has made some improvements to this model, making transactions faster and more secure.
How Cardano is Tackling Key Issues in Crypto
Another major development is Cardano’s Midnight Protocol , which is designed to solve one of the biggest problems in crypto: privacy. Altcoin Buzz explained that if digital assets are going to be adopted globally, people need financial privacy, and Midnight could be a game-changer here.
On top of that, Cardano has become the most decentralized blockchain based on the Nakamoto coefficient. This measures how many validators need to team up to control a third of the network. With 77 validators required, Cardano is currently the leader in decentralization among proof-of-stake (PoS) blockchains.
Looking at how ADA’s tokens are set up, it’s also in a good position. With 87% of its total supply already out there, there’s less risk of inflation, which is good for investors thinking long-term.
Related: Top Analyst’s Confident Take: ADA and XRP at $10? ‘Fine With Me’
What Makes Ripple (XRP) a Strong Contender for 2025?
XRP, on the other hand, is likely to get a boost from the expected end of its long legal fight with the U.S. Securities and Exchange Commission (SEC).
This lawsuit has been holding back XRP’s growth, but if it gets resolved by mid-2025 as many expect, XRP could finally reach its full potential.
How Ripple Aims to Fix Global Finance
Ripple’s main goal is to solve one of the biggest inefficiencies in the world’s financial system: cross-border payments. The current system, mostly run by SWIFT, handles over $150 trillion in transactions every year but is slow and expensive.
XRP wants to shake up this market by offering transfers that are almost instant and cost very little.
Related: Ripple to SEC: Enough With Confusion—Time for Clear Crypto Rules, Not Backdoor Regulation
Moreover, Ripple is making good progress with its RLUSD stablecoin, which is becoming more popular in places like Dubai. And recently, the financial giant Franklin Templeton applied for an XRP ETF . If this gets approved, it could really increase the adoption and investment in XRP, which is already the fourth-largest cryptocurrency by market cap, at around $140 billion.
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