Bitcoin and Ripple (XRP) present distinctly different investment outlooks over the next three years. Bitcoin's value proposition lies in its artificially constrained scarcity, with only 450 new coins entering circulation daily, expected to decrease to 225 coins following the halving in 2028. Its immutable protocol provides stability but also limits its ability to respond to market volatility. In contrast, despite recent price declines and the resolution of Ripple's litigation case with the U.S. Securities and Exchange Commission (SEC), whether Ripple can convert its 300+ banking partners into sustained usage of the XRP Ledger for payments remains the key factor determining its future price trajectory.