XRP vs. Ethereum: Why Ethereum Could Soar

By Emma Newbery – Mar 19, 2026 at 5:00AM ESTKey PointsThe way each cryptocurrency is structured can have a big impact on investor returns.If Ripple can sell more stablecoin solutions, it may not benefit XRP holders. Increased transactions on Ethereum translate to higher fee revenue and value for investors. Ethereum (ETH 6.59%) and XRP (XRP 4.00%) have a lot in common. Both sit in the top five cryptocurrencies by market cap. They're also native to two popular smart-contract blockchains, which means developers can use them to build other projects. However, they differ greatly in purpose and structure. Image source: Getty Images. As the crypto industry stands on the precipice of huge change, those differences could mean one stagnates while the other soars. In this article, I'll break down why Ethereum is better positioned to gain from growing stablecoin adoption. ExpandCRYPTO: XRPXRPToday's Change(-4.00%) $-0.06Current Price$1.46Key Data PointsMarket Cap$90BDay's Range$1.44 - $1.5352wk Range$1.14 - $3.65Volume3.1B Comparing XRP and Ethereum Ethereum's price rose 24% in the past year to close at $2,175 on March 15. In contrast, XRP declined 34% in the same period, closing at $1.45. Both are trading at about 55% lower than their all-time highs, suggesting that they have room to rebound if crypto investment sentiment recovers. ExpandCRYPTO: ETHEthereumToday's Change(-6.59%) $-153.67Current Price$2178.75Key Data PointsMarket Cap$263BDay's Range$2145.93 - $2332.4252wk Range$1398.62 - $4946.05Volume28B The XRP Ledger, the blockchain behind XRP, was designed to reduce the friction in cross-border payments. It is considerably faster and cheaper than Ethereum, which is a broad smart-contract platform with multiple uses. Ethereum has almost 45 times more full-time developers on its network, which bodes well for long-term evolution. It also accounts for almost 44,000% more of the stablecoin market than the XRP Ledger. MetricEthereumXRP / XRP LedgerMarket cap$279 billion$93 billionValue of stablecoins on-chain$164 billion$374 millionDeFi total value locked (TVL)$59 billion$51 millionTransactions per second15-30Up to 1,500Full-time developers3,61181 Data sources: DefiLlama, Electric Capital Developer Report, CoinGecko, XRP Ledger, and Glassnode, as of March 16, 2026. Stablecoin growth affects Ethereum and XRP differently Stablecoins surged last year as confidence in these on-chain versions of traditional currencies grew. Research from The Motley Fool shows that 50% of U.S. consumers are open to using them. The big advantage is that they reduce the costs involved in making payments and moving money, particularly internationally. We're talking about an industry that could grow from about $325 billion today to as much as $4 trillion by 2030. Buying cryptocurrencies like Ethereum or XRP is one way to get exposure. However, because of the way each is structured, Ethereum is a much better bet. Without getting too bogged down in its mechanics, Ethereum's relatively high fees and built-in token burning mean it gains value from increased transaction volume. More stablecoin transactions would almost certainly push its price up. A higher Ethereum price is good for the Ethereum Foundation, a non-profit that supports the ecosystem. But it doesn't directly profit from stablecoin growth on its network. Plus, it plans to reduce its role as the blockchain matures. In contrast, Ripple, the company behind XRP, is a private company that charges clients for its services. It is building its stablecoin business, and recently bought a stablecoin platform called Rail. On its face, that sounds good for XRP. The hitch for XRP holders is that since Ripple is selling those services, the main beneficiaries are its private investors. The XRP Ledger gets used, but the transaction fees -- about $0.0002 -- are so minuscule that it doesn't add much value for XRP holders. There are many ways the stablecoin story might unfold. For example, traditional players may build their own blockchains rather than rely on public ones. But one thing is certain. The structure behind the two blockchains means Ethereum investors are much better positioned to benefit from stablecoin growth than those holding XRP.Read NextMar 17, 2026 •By Lyle DalyIs It Too Late to Buy Ethereum in 2026?Mar 15, 2026 •By Leo SunPrediction: Buying Ethereum Today Could Set You Up for LifeMar 15, 2026 •By Alex CarchidiBetter Cryptocurrency to Buy Today With $3,000 and Hold for 7 Years: XRP vs. EthereumMar 12, 2026 •By Dominic BasultoDon't Buy Ethereum Until This HappensMar 10, 2026 •By Alex CarchidiHere's What Would Need to Happen For Ethereum to Flip Bitcoin by 2030Mar 9, 2026 •By Alex Carchidi1 Top Cryptocurrency to Buy Now With $1,000, and 2 to AvoidAbout the AuthorEmma Newberry is a contributing Motley Fool cryptocurrency analyst covering digital currencies and blockchain trends. She previously wrote for Motley Fool Money (formerly The Ascent) on personal finance, investing, retirement readiness, and crypto. Earlier in her career, Emma founded an English-language newspaper in Colombia and contributed to Olympic city bid campaigns. She holds a bachelor’s degree in English literature with creative writing from the University of East Anglia in the UK.TMFemmanewberyStocks MentionedEthereumCRYPTO: ETH$2,178.75(-6.59%)-$153.67XRPCRYPTO: XRP$1.46(-4.00%)-$0.06*Average returns of all recommendations since inception. Cost basis and return based on previous market day close.