XRP vs Ethereum: Which Cryptocurrency Could Make You a Millionaire by 2028?

XRP and Ethereum are two popular cryptocurrencies that have been in the spotlight lately. By analyzing their prices and market capitalization, we can determine which one has a higher potential to make its holders millionaires by 2028.

As of September 10, 2026, XRP trades at $1.38, while Ethereum trades at $2,469. To reach a million dollars in value, an investor would need to own 724,638 XRP or 405 Ethereum coins.

A patient buyer can accumulate XRP over time, but reaching the required amount of Ethereum would require a significant upfront investment. In fact, holding 405 Ethereum already makes one a millionaire in Ethereum terms.

Looking at the all-time highs of both cryptocurrencies, we see that XRP needs a 178% increase to reach its previous record price of $3.84. On the other hand, Ethereum would need a 100.5% increase to reach its record high of around $4,950. Considering these numbers, it's clear that reaching a million dollars in value by 2028 is more feasible for XRP than Ethereum.

According to ChatGPT, XRP is predicted to reach $4.75 by September 2028, which would result in 210,526 coins being worth one million dollars. This prediction suggests that XRP has a higher potential to make its holders millionaires by 2028.