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- Zameer Attar
Zameer Attar
- Reviewed by:
Anjali BelgaumkarWriter by choice, CryptoCurrency Writer, and Researcher by chance. Currently, focusing on financial news and analysis, as well as cryptocurrency news and data. One may not call me a crypto “Enthusiast” but trust me I'm getting there.
- Aug 08, 2025 09:10 UTC
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Ripple Holders Mocked as ‘Financial Abuse Victims’ as Viral Post Calls XRP a ‘Pre-Mined Banker Scam’
Bitcoin users call the XRP a scam, mocking the investors and developers.
XRP holders push back, calling out BTC's slow growth.
A recent debate has been seen regarding XRP vs Bitcoin (BTC). While some say that Bitcoin is the revolution of cryptocurrency, others believe that XRP is more favorable with its 400 times faster services. The debate centers on the fundamental differences and potential investments, with strong arguments on both sides.
XRP vs Bitcoin: Which One is Better?
Some users and experts recently disputed over their contrasting views on XRP and BTC. As Bitcoin is currently the most popular crypto with a long-term store of value, it is also called “digital gold.”
However, the XRP experts argue that Bitcoin is slower compared to XRP because XRP has attracted multiple banks for its fast, low-cost international payments with transaction settlement times of 3 to 5 seconds and less than a cent in fees.
Recently, a Bitcoin analyst, Adam Livingstone, criticized XRP investors on X by saying, “You bought a pre-mined banker scam run by a bunch of khaki-wearing geriatrics in a WeWork office, who dump on you monthly like it’s a bodily function.”
“You are not a crypto investor. You are a financial abuse victim with Stockholm Syndrome,” he added.
But an XRP investor challenged the Bitcoiner’s sentiment and replied, “Calling it a scam is paramount to plain industry ignorance and/or psychological issues seeped in denial. Each can play a role in this space, so why should one negate the other?”
He also argued that if MicroStrategy (MSTR) had invested in XRP instead of BTC, its return on investment would presently be much higher.
Could MicroStrategy’s Investment in XRP Make $100 Billion?
In June 2025, MSTR became the world’s largest corporate owner of bitcoin. But XRP supporters say the company’s portfolio could have been worth over $100 billion if it had placed its $33.1 billion in XRP.
Over the last five years, Bitcoin rose approximately 894% while XRP climbed about 986%. With enhanced institutional adoption and financial efficiency, investors would have been pleased and impressed had MSTR followed the XRP path.
In contrast, the Bitcoiner argues that XRP holders are headed toward endless customer service frustration, rather than “Valhalla,” the significant wealth.
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FAQs
Yes, XRP processes transactions in 3-5 seconds with sub-cent fees, while Bitcoin averages 10+ minutes per transaction at higher costs – making XRP 400x faster for payments.
Financial institutions favor XRP for cross-border payments due to its speed (3-5 sec settlements), low cost (<$0.01 fees), and energy efficiency compared to Bitcoin’s slower proof-of-work system.
XRP proponents argue MSTR’s $33.1B BTC investment would be worth $100B+ in XRP based on historical performance, but Bitcoin advocates dispute this hypothetical scenario.
Critics call XRP “banker crypto” due to Ripple’s influence, while supporters highlight its enterprise adoption – contrasting Bitcoin’s decentralized, miner-powered network.
Yes 
No 
