Here’s What a $100K Investment in XRP Four Years Ago Is Worth—Compared to Bitcoin

Vandell Aljarrah, co-founder of Black Swan Capitalist, recently drew public attention to the astonishing wealth potential of XRP compared to Bitcoin.

Aljarrah emphasized that an investment of $100,000 in XRP at $0.25 would now be worth $856,000, as XRP trades today at $2.14. That’s a massive 756% return, which, according to Aljarrah, outperforms traditional hedge funds and even Bitcoin over the same period.

How XRP Beat Bitcoin Investment in Four Years

Notably, XRP last traded at $0.25 just over four years ago, in January 2021. At the time, a $100,000 investment could have bought 400,000 XRP tokens. However, today, the same amount of capital would only be able to procure just under 50,000 XRP tokens.

Over the course of this four-year period, XRP’s price—while largely trading under $1—later climbed as high as $3.34 in January 2025. At that peak, holders of 400,000 tokens, who got their tokens for $100,000, would have seen their portfolio valued at $1.33 million.

Meanwhile, investors who favored Bitcoin during the same time recorded less substantial gains. For context, in January 2021, Bitcoin traded above $32,000. With $100,000, an investor could have bought approximately 3.125 BTC.

As of today, with Bitcoin trading at $85,781, that portfolio would be worth around $268,000. At Bitcoin’s all-time high of $109,114 in January, it would have peaked at approximately $341,000.

Essentially, during this investment period of less than half a decade, XRP’s ROI outperformed Bitcoin’s by nearly $1 million when comparing their respective peak valuations.

“Expect More Upsides for XRP”

Aljarrah also emphasized that XRP achieved these gains “without a blow-off top.” This suggests that XRP hasn’t yet reached a speculative price peak, often seen in market cycles, but has registered a return that far outpaces both Bitcoin and hedge funds.

Furthermore, he noted that this surge occurred without the impact of real-world utility. Notably, this implies that XRP could still have substantial room to grow once its practical applications and use cases are factored into its valuation.

Essentially, Aljarrah’s comments suggest this could be just the beginning for XRP. Other community pundits, such as Edoardo Farina, share a similar perspective. Farina has even argued that a $20 XRP price point could be the start of its uptrend.

According to him, he is aware of what is coming for XRP. Ambitious XRP supporters are looking ahead to a future where the token not only enters double-digit territory but potentially climbs into the triple digits and beyond.

On the other hand, critics continue to warn against exaggerated expectations for XRP. Some are even calling for massive short positions, betting against popular bullish calls on the asset.

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