The tokens have struggled since President Trump's inauguration amid fears that sticky inflation could keep interest rates elevated.

XRP has long been seen as a high-potential asset, and many analysts believe it could surge past $10 when Bitcoin (BTC) reaches new all-time highs. Historically, major altcoins follow BTC’s lead, and XRP’s growing adoption in cross-border payments could fuel its rally.

Forever is a long time to hold a coin. XRP might eventually be supplanted by other payment processors. Bitcoin will probably continue to become scarcer and more valuable. So which of these giants is ripe for a place in your portfolio for the rest of your investing career?