Financial commentator Daniel Harris has argued that XRP offers a far more compelling return potential than Bitcoin, especially for retail investors preparing for the next altseason.
“My money is on XRP all the way,” he tweeted, when arguing for where to put $1,000 between XRP and Bitcoin.
Harris broke down the difference using a simple investment scenario. With $1,000 today, an investor can only acquire 0.009 BTC at Bitcoin’s $110,000 price point. That same amount, however, buys 416.67 XRP at $2.40 each.
He then asked which asset is more likely to 2X, 4X, or even 10X within the next 90 days, noting that altcoins have historically outperformed during peak market rotations. To him, XRP holds the best chance of seeing twofold to tenfold price expansion faster due to its smaller size.
Notably, XRP has a market cap of $150 billion, while Bitcoin stands far ahead with a $2.2 trillion valuation. In other words, Harris believes XRP could reach $300 billion more easily than Bitcoin could reach $4.4 trillion.
His point reflects an increasingly common view among altcoin-focused analysts: smaller-cap tokens with utility narratives may generate stronger short-term gains compared to the already-mature Bitcoin market.
Dom Kwok: Why Altcoins Matter in the First Place
Harris made his comment in response to Dom Kwok, co-founder of EasyA, who recently argued that high token prices discourage many new entrants.
Kwok explained that most newcomers don’t feel comfortable buying 0.01 BTC, even if fractional ownership is possible. To them, acquiring whole units of more affordable altcoins feels more intuitive and psychologically rewarding.
He described Bitcoin as “too expensive” for the average starter portfolio, not because of actual cost barriers, but because of how people perceive value.
actually, $BTC and $ETH ARE too expensive for most people.
this is why we focus on the alts so much @easya_app. https://t.co/23nizbLqf0
— Dom Kwok | EasyA (@dom_kwok) October 19, 2025
Armstrong: Fractional Bitcoin Works, But Perception Is the Problem
Kwok’s remarks were originally directed at a statement by Coinbase CEO Brian Armstrong, who said the idea that “crypto is too expensive” is a misconception.
Armstrong reminded new users that they can begin with just a few dollars and don’t need to buy an entire BTC or ETH coin.
However, Kwok and Harris stressed that user psychology drives investment choices just as much as fundamentals. Many prefer owning hundreds of units of an altcoin like XRP rather than fractions of Bitcoin, especially during seasons when altcoins historically outperform.
For instance, over the past year, Bitcoin has been up 60%, while XRP has surged more than fivefold with 388% gains. This historical performance often forms the foundation for renewed calls to favor altcoins over BTC.
Meanwhile, some critics reject this idea, noting that altcoins typically experience much steeper drawdowns during market dips compared to Bitcoin. When Bitcoin drops 5% in a day, some lower-cap altcoins can fall by 30% or even 50%.
DisClamier: This content is informational and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not reflect The Crypto Basic opinion. Readers are encouraged to do thorough research before making any investment decisions. The Crypto Basic is not responsible for any financial losses.