- XRP gains momentum with EVM compatibility, bank charter bid, and ETF interest
- SEI Network impresses with 400ms finality and plans for 250,000 TPS via Giga
- Altcoin season favors large caps as XRP and SEI lead the early revival trend
As the crypto market shows early signs of an altcoin revival, investors are closely evaluating two standout projects: the established financial messaging token, XRP, and the high-speed Layer-1 challenger, SEI Network.
While both have captured significant attention, they offer vastly different risk profiles and technological promises. The choice between them highlights a classic investment dilemma: backing the established veteran with deep institutional ties or the newer, faster challenger with a potentially higher growth ceiling.
The Case for XRP: The Battle-Tested Veteran
XRP remains a key player in the crypto space due to its widespread institutional interest. According to Altcoin Buzz, an analytic firm data, Ripple has applied for a national bank charter and a Federal Reserve master account.
These steps, if successful, would allow Ripple to integrate more deeply into the traditional financial system. XRP has also become EVM-compatible, enabling Ethereum-based tools to operate on its ledger. Besides, integrations with over 50 chains through AxelR broaden XRP’s reach in DeFi, NFTs, and real-world assets.
Related: Top 10 Altcoins to Watch: Predicted Market Leaders for 2025 Gains
Despite these advancements, XRP still faces criticism. Its tokenomics remain a point of concern, as only 59% of its total 100 billion tokens are in circulation. This raises fears of future large-scale token dumps.
Nonetheless, XRP boasts a large market cap of $135 billion and has climbed more than 440% in the past year. With 19 ETF applications pending, including from major financial institutions, XRP continues to build on its legacy.
The Case for SEI: The High-Speed Challenger
In contrast, SEI Network is much newer but quickly gaining attention. Launched in 2023, it focuses on high-frequency trading and decentralized finance. Its finality time stands at just 400 milliseconds, making it one of the fastest in crypto.
Additionally, SEI is working on a feature called Giga, which aims to boost its transactions per second (TPS) to 250,000. This is significantly higher than existing EVM chains, giving SEI a competitive edge.
Related: July Watchlist: 4 Altcoins That Could Outperform the Market Soon
Furthermore, SEI is exploring AI integration, signaling strong diversification. While its market cap is smaller at $1.45 billion, that also means more room for growth. Its circulating supply is 55% of the total 10 billion tokens, closely mirroring XRP’s ratio but with much younger project dynamics.
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