币界网报道："Make no mistake, XRP is Bitcoin's biggest rival," asserts prominent crypto analyst Ben Armstrong in a recent analysis. Armstrong highlights XRP's growing institutional adoption and regulatory clarity as key advantages over Bitcoin, noting Ripple's expanding partnerships with major financial institutions worldwide. The pundit points to XRP's faster transaction speeds (settling in 3-5 seconds versus Bitcoin's 10+ minutes) and significantly lower fees (fractions of a cent compared to Bitcoin's dollar-range fees) as technological differentiators. Armstrong emphasizes XRP's unique position as a bridge currency in cross-border payments, with RippleNet processing billions in transactions annually. While acknowledging Bitcoin's first-mover advantage and store-of-value narrative, Armstrong argues XRP's utility-focused design makes it better suited for real-world financial applications. The analysis comes as XRP gains traction among payment providers and central banks exploring digital assets, with some experts predicting it could capture substantial market share from traditional settlement systems like SWIFT. Armstrong concludes that while Bitcoin remains the dominant cryptocurrency by market cap, XRP's specialized use case and growing institutional adoption position it as Bitcoin's most formidable competitor in the long term.