The cryptocurrency market thrives on competition, as new projects vie for investors’ attention with established ones. Rexas Finance, Dogecoin, and Shiba Inu are some of the most discussed candidates in 2025. Both of them have different value propositions, such as hype created by memes and novel blockchain solutions. This comparison examines their underlying principles, market performance, and scalability to determine which token is best positioned to succeed in the evolving cryptocurrency landscape.

The Rise of Meme Coins: Dogecoin and Shiba Inu

Dogecoin was launched in 2013 and is the first meme coin. Initiated as a sarcastic poke at the level of hype surrounding Bitcoin, it has somehow caught on, driven by a charismatic community and encouragement from leaders such as Elon Musk. It has a blockchain, constructed on a Proof of Work mechanism similar to Bitcoin, which allows for rapid transactions at low costs — it works best with tipping and microtransactions. With a market capitalization between $ 26 billion and $ 148 billion, and a circulation of Dogecoins, it is the cultural value and popularity that make this token strong. The slow rate of retail interest, whose current price of about 0.17 indicates a position above it, still presents difficulties to a high price growth due to its inflationary system, ranking 5 billion new tokens each year.

Released in 2020 as a self-styled Dogecoin killer, Shiba Inu is an ERC-20 token running on Ethereum. This will enable the incorporation of decentralized finance applications, which offer it an added benefit over Dogecoin in terms of utility. The ecosystem of Shiba Inu was augmented by ShibaSwap, a decentralized exchange, and Shibarium, a layer-2 blockchain, which will facilitate cheaper transactions. Shiba Inu has a market capitalization of about 9.7 billion dollars and a circulating supply of 589 trillion tokens, which moves speculative transactions based on a low price value of tokens. The burns that have recently taken place to counteract the downward price trend of more than 410 trillion tokens are expected to bring scarcity, but it is equally subject to the popularity and the general mood of the communities, as with Dogecoin.

Both meme coins survive on social media hype and wild speculation, and their prices are usually subject to significant fluctuations. The fact that Dogecoin has reached the highest value of $0.74 in 2021 and Shiba Inu has reached the peak of $0.000088 suggests that these cryptocurrencies have the potential to deliver exploding returns, but as soon as the cultural experiment of owning a part of the internet meme expires, their future growth is questionable. The communities attracted to these tokens, especially by financial investors, often place their bets on the community momentum, but without strong fundamentals, they present an oversaturated market of risky investments.

Rexas Finance A New Vision of Asset Tokenization

To the scene comes Rexas Finance, a project that is redefining the significance of cryptocurrency through the tokenization of real-world assets. Rexas Finance is not relying on a meme-based demand like Dogecoin or Shiba Inu and uses blockchain technology to digitize real estate, artworks, and commodities into traded tokens, which are illiquid. This model creates a democratic path to investing in high-value assets, where the investments can be partitioned and increase liquidity in previously unattainable markets. Rexas Finance was launched in September 2024 and has made some speedy headway with a presale that has already raised over $46 million, selling 440 million RXS tokens at a price of $ 0.20 each.

The ecosystem of the platform has been functionalized. The Rexas Token Builder enables individuals to automate the token-building process without requiring expertise in programming, and the Rexas Launchpad provides a platform for raising capital for tokens. Rexas Estate will enable investors to co-own real-world properties and earn passive income in stablecoins, while Rexas GenAI will also facilitate the tokenization of digital artworks. Rexas Treasury is a multi-chain compound yield optimization tool that provides crypto depositors with a compound interest rate, a feature not offered by meme coins. Hinting at a total supply of 1 billion tokens, Rexas Finance tokenomics promote scalability and value appreciation, unlike Dogecoin, where the circulation of coins is expansive, and Shiba Inu, whose supply has a mind-boggling scale.

Market Performance and Growth Potential

The resilience of Dogecoin can be attributed to its trademark and loyalty to its audience. Its recent rise of 18% in a week, with estimates of 0.30 to 0.35 by Q3 2025, means it could generate short-term profits. Nonetheless, it is highly unpredictable since it relies on extrinsic catalysts, such as the approvals given by Musk or general market bullish trends. Even reaching a $1 price would take its official market cap up to more than $120 billion, which is a very ambitious target considering that it faces such a saturated market.

The price of Shiba Inu at an average of $0.000015 exhibited volatility as the cryptocurrency gained 153 percent in a week, but it lost 23 percent in a month. Researchers estimate its price to surge to reach between $0.0003 and $0.0009 by 2025 amid the ecosystem expansion and token burning. However, the risks are similar to those of Dogecoin due to the speculative nature of the asset and its dependence on community momentum, which is why its continued growth is hardly expected unless the asset gains widespread adoption.

The Rexas Finance, currently in the presale stage, has increased in value by 567 percent ($ 0.03 to $ 0.20) and is expected to reach $10 by early 2025, which would mean a potential gain of 12,000 percent. Its focus on the real-world tokenization of assets enters the largest market, with projected growth of tokenized assets expected to expand to $ 16 trillion by 2030, against an estimated base of $ 50 billion in 2025. A tier-1 exchange listing by June 2025 and a Certik audit will add credibility to it and, in turn, attract both retail and institutional investors. The $1 million giveaway, which rewards 20 winners with 50,000 RXS tokens, also enhances community participation.

What is the Best Token?

The prices of both pooch cryptos, Dogecoin and Shiba Inu, are highly speculative as they follow trends and crowd frenzy. They are appealing to short-term traders due to their ease of access and cultural relevance. Still, they are risky investments for long-term investors due to their volatility and limited practicality. Rexas Finance, a company that introduced something new into the sphere of asset tokenization, could be a worthy rival. It has enjoyed a successful presale, a well-calculated roadmap, and practical use cases, which place it on the path of exponential growth, and it may even surpass the giants of meme coins.

Rexas Finance is the leader in terms of its investment potential, stability, and potential for growth. Although Dogecoin and Shiba Inu can deliver short-term returns during a bull run, they are due for a correction due to their inherent dependency on hype. Rexas Finance, with its interest in connecting traditional and decentralized finance, offers a long-term solution with a secure future; therefore, it is a good choice for portfolios seeking high returns by 2025.

On April 4, 2025, PayPal Holdings announced that it would expand the range of cryptocurrencies supported through PayPal and Venmo to include Chainlink (LINK) and Solana (SOL). The new feature, which will be launched in the next few week,s will enable U.S customers to use their accounts to buy, hold, sell, and transfer these cryptocurrencies effectively serving to add seven to the cryptocurrencies that PayPal supports which also include Bitcoin, Ethereum, Litecoin, Bitcoin Cash alongside its stable coin PayPal USD (PYUSD). The move consists of PayPal’s response to user requests to become more flexible and gain access to various digital currencies, as the company intends to find its niche in the spectrum between conventional financial services and the emerging blockchain environment.

True to its mission, which is to transform payments, May Zabaneh, Vice President of blockchain, crypto, and digital currencies at PayPal, stated that the new digital currencies LINK and SOL align well with the objective. PayPal has been quick to consider feedback on crypto services since its launch in 2020, as many clients have asked the company to introduce more tokens to access innovative blockchain-based projects. The addition of Chainlink as a top decentralized oracle network and Solana as a high-performance blockchain platform will benefit both retail investors and developers, thereby extending the appeal of these platforms. This update can introduce millions of people into the crypto sector, especially with 428 million PayPal and 83 million Venmo accounts in 2023.

Chainlink: The Gas that Fuels Smart Contracts

The introduction of Chainlink into PayPal and Venmo indicates a significant expansion of their presence in the blockchain technology field. LINK is currently valued at $ 12.52 and has an $ 8.5 billion market cap as of July 2025, serving as the native token of the Chainlink Network, the largest decentralized oracle platform. It links smart contracts with real-world data, including price feeds, weather data, among others, that can help run more advanced applications in DeFi, insurance, and supply chain management. The Universal Gas Token makes payments and staking opportunities, which help enable a network vital to blockchain interoperability, powered by Chainlink. The fact that it rose by 1.4 percent after the announcement indicates mild excitement in the market. What makes it valuable in the long term is that it will be useful to developers who want to develop secure data-based applications.

The increasing relevance of enterprise use cases is keenly showcased by PayPal opting to support LINK. To users, it will provide access to a token that is an integral part of the future of decentralized apps. Also, it will allow people to diversify their portfolios (beyond the traditional cryptocurrencies). The possibility to purchase, store, and send LINK using PayPal and Venmo wallets directly makes interaction much easier, eliminating the need to rely on third-party tools. This enables people to purchase LINK directly, rather than using tools like MoonPay, which were previously used to buy LINK. Such simplified access would likely encourage its use within the PayPal network, particularly among users interested in the smart contract world.

Solana: Fast & Scaling

After the news, Solana, which trades for $132.16 and has a market cap of $ 61.6 billion, was up 5.2 percent on a price rally, compared to the 1 percent decline in the overall crypto market on the day. Solana is known for its Proof of History and Proof of Stake hybrid consensus, as well as facilitating up to 65,000 transactions per second, and charging a fee of as little as $ 0.00025. It has financed and sponsored over 1,000 initiatives, including DeFi platforms like Raydium, NFT marketplaces such as Magic Eden, and blockchain-based games. The support provided by PayPal enables users to utilize SOL for payments, DeFi, and community-driven infrastructure, aligning with the platform’s vision of easy digital commerce.

Its integration with PYUSD in 2024 is due to Solana’s efficiency in handling stablecoin transactions. With 60 million active users, Vemo will now offer the opportunity to easily interact with the Solana ecosystem within their app range, particularly in emerging industries such as DeFi and the gaming ecosystem. Although history is replete with network failures, recent upgrades have enhanced reliability, making it one of the networks that can be considered by an investor interested in high-speed, low-cost transactions. The $1,000 invested in SOL for $117.15 before the announcement will now be priced at $1,128, and by the end of 2021, it is estimated to reach $200, representing a 71 percent growth.

Implication and Prognosis

The integration of Chainlink and Solana is indicative of how PayPal is strategically accepting crypto deeper as a product with a changing regulatory environment. Ever since the appointment of Acting SEC Chairman Mark Uyeda, the U.S. has become more crypto-friendly, as multiple lawsuits have been dropped, and a new Crypto Task Force provides a supportive environment for innovation. This climate has motivated PayPal to develop its suite of services further, continuing from last year with the introduction of its first cryptocurrencies and PYUSD, which achieved a $1 billion market capitalization before returning to form. The recent collaboration between the company and MoonPay has enabled Venmo to support transactions with crypto as of October 2024. The introduction of direct support for LINK and SOL on the platform frees the company from dependence on third-party providers, making the user experience easier.

Sentiment in social media about X is positive, as the integration is being treated as a milestone to mainstream adoption, according to posts by accounts such as @chainlink and @solana. Other users have, however, reported minor changes in the price, where SOL was at 122.78 and LINK was at 13 after the announcement, a move that suggests the market may have partially analyzed the announcement. Investors can use PayPal and its trusted sites as a stable port of call into the world of crypto without fear of losing their capital, but there are cheaper exchanges. As PYUSD encompasses Solana and can support up to 20 million merchants by 2025, PayPal’s crypto strategy will enable it to dominate the digital payment industry, with Chainlink and Solana playing leading roles.

Ripple Labs’ XRP has established a stronghold as a pillar in cross-border payment solutions since its entry in 2012. With a market cap of 125 billion dollars and a price tag of 2.13 dollars on the 18th of July 2025, XRP recorded a year-over-year increase of 347 percent, thanks to regulatory clarity and institutional adoption. It takes 3 to 5 seconds with a fraction of a cent for each transaction to be processed on its XRP Ledger with a capacity of 1,500 transactions per second (TPS).

Financial institutions such as Travelex and Tranglo utilize the On-Demand Liquidity (ODL) service offered by Ripple, which does not require pre-funded accounts, enabling the transfer of money across different parts of the globe. Optimism has been driven by the May 2025 SEC settlement, in which Ripple was fined $50 million and XRP was declared not to be a security on exchange platforms. It is projected that ETFs will be approved by mid-2025. According to projections, XRP is expected to reach $ 5-7 by the first quarter of 2026, representing a 135-229 percent increase, driven by partnerships and the acquisition of $ 1.2 billion from Hidden Road.

Despite this strength, XRP has its vulnerabilities. In June 2025, a federal judge denied a motion to disband an injunction against the institutional sale, but the issue of regulatory attention was discussed; nevertheless, the centralized-control feature of Ripple makes it compliant. An initial capital of 1000 invested in XRP one year ago, when the coin was trading at the price of 0.474, would have returned 4493 dollars as a consequent rise of the coin. XRP is also centered on real utility and institutional participation; therefore, it is a safe option among risk-averse investors with finance-related motives who are interested in relatively stable returns.

Solana: The Powerful Blockchain Speedster

Solana (SOL) started in 2020 and has acquired fame due to its high-performance blockchain, relying on a Proof of History (PoH) and Proof of Stake (PoS) hybrid that offers 65,000 TPS and an average fee of $0.00025. Named at $132.16 with a market cap of $61.6 billion, SOL has soared by 40 percent in 2025, led by a slew of decentralized apps (dApps), decentralized finance (DeFi) platforms such as Raydium, and non-fungible token (NFT) marketplaces like Magic Eden. The scalability of Solana has attracted developers, and currently, there are over 1,000 live projects; however, network outages in 2024 have called into question its reliability. New upgrades have maintained its stability, and its strength is highlighted by institutional interest, such as a total value locked (TVL) of 2.7 billion in DeFi.

Pundits estimate that SOL will reach $200 by the end of the year, a 51 percent gain, but the $61.6 billion market capitalization helps keep it from soaring. One year ago, at a price of SOL of 94.37, the investment in SOL would have yielded a weak return of 1k per annum to 1.4k right now. The fact that Solana can be utilized in DeFi, NFTs, and games is attractive to investors seeking to diversify their exposure; however, the centralization risks and the emergence of newer chains pose threats. It has a well-established ecosystem, and, therefore, is a steady choice when it comes to scalability and developer activity.

The Disruptor AI: Lightchain AI

The newest entry is called Lightchain AI (LCAI), which combines blockchain and artificial intelligence. Based on its presale price of 0.007 today, it has raised $ 19.3 million by July 2025. LCAI is a new decentralized network with 10 billion tokens to be distributed through a PoI consensus, where nodes are rewarded for AI computations, aiming to improve the fields of computational security, efficiency, and scalability, as well as address privacy issues. It features its Artificial Intelligence Virtual Machine (AIVM), which can support decentralized AI applications in the healthcare, logistics, and governance sectors, distinguishing it from XRP’s payment-focused and Solana’s dApp ecosystems. Analysts are projected to forecast a 7,400 percent rally, peaking at $0.518 by year-end, as some foresee the coin reaching nearly $20 by 2026, following the launch of its testnet in January 2025 and the activation of its mainnet in March.

The high-risk, high-reward nature of LCAI would get the investor 142,857 tokens worth an estimated $73,999 with an investment of $\$1,000 at $\$0.007 or $\$2.86 million by the time LCAI reaches the current market value of $\$20. Nevertheless, being a project in initial phases, LCAI is quite volatile, and its market will depend on the successful execution of the roadmap and acceptance. It is a futuristic amalgamation of AI and blockchain, making it a high-risk investment on the radar of risk-appetite investors.

Investment Potential Use of Comparison

The types of investors that XRP, Solana, and Lightchain AI can address are different. XRP boasts a secure network, regulatory certainty, and institutional adoption; thus, it is a low-risk solution, making it suitable for conservative investors. It has a market cap of $125 billion which constrains the explosive profits but has the potential of rising in the range of $5 to 7. The risk associated with the Solana blockchain is moderate, boasting a multifaceted ecosystem that would attract individuals interested in exposure to DeFi and NFTs; however, network reliability remains an issue. Lightchain AI, a company with an AI-focused innovation and a low market cap of $70 million, has the most significant upside, but is the most risky given that it is still an early-stage company.

A moderate portfolio can have $1,000 invested in the following assets: $ 400 in XRP, which generates stability, $ 300 in SOL, which creates growth, and $ 300 in LCAI, which has high-risk prospects. MRP has the potential to earn $1,880 at a gain of 5, SOL 1,135 at a 200% gain, and Lajaiceximalcaiene $10,571 at 0.518, which totals a combined blended gain of 1,259%. Investors must balance the known utility of XRP, the scalability of Solana, and the disruptive potential of LCAI against their respective risk levels. The presale of Lightchain AI appears to be a solid opportunity in 2025, as the market is dynamic, although XRP and Solana may be viewed as more reliable options.

Rexas Finance (RXS) has become one of the most competitive enterprises in the cryptocurrency market, distinguishing itself through the tokenization of real-world assets (RWA). RXS will be listed to bridge the gap between traditional finance and blockchain, allowing people to utilize assets such as real estate, art, and commodities on the blockchain, thereby opening up illiquid markets to the rest of the world. RXS is currently sold at $ 0.25 as of July 18, 2025, with a presale phase that has raised $ 47.8 million in Stage 12, selling 91.81 percent of its 425 million token supply. Its listing at the principal exchanges, such as Uniswap, in June 2025 indicated a 567 percent jump over an initial price of $0.03 recorded in September 2024, with analysts anticipating an estimate of $10 in early 2026, a 3,900 percent gain.

The platform’s ecosystem comprises tools such as Rexas Token Builder and QuickMint Bot, which enable users to conduct and manage tokens without prior coding experience, fostering innovation in the fields of DeFi and NFTs. Security is guaranteed when a Certik audit is initiated, and investors should feel more confident. The $1-million giveaway to 20 winners has also increased community outreach. This is the case with RXS, which is not a meme coin and does not aim to generate internet hype around its coins.

Unlike meme coins, RXS is more of a democratizing investment mechanism, paving the way for fractional ownership of high-value assets. An investment of $1,000 at the stage of 11 would now represent a $1,000 investment of $0.25 per share, which may be projected out to 2026, when it is estimated that RXS can be expected to reach $100 per share on a long-term basis. It is the time-limited shortage and usability that make RXS a long-term prospect with transformative potential.

Dogecoin: The Meme Coin Original

Dogecoin (DOGE) is a cryptocurrency classic that was born in 2013 as a fun alternative to Bitcoin. Dogecoin retains a market cap of $24.82 billion and a per-coin price of 0.1668. It features inflationary tokenomics and a circulating supply of 148.83 billion, making significant price increases challenging to achieve. However, the community and support of notable individuals, such as Elon Musk, serve as a backbone for this coin. DOGE has surpassed its meme coin roots and is accepted by businesses such as Tesla as a payment method, with a weekly growth rate of 5.77 percent and a daily trading volume of over $795 million as of 2025. DOGE is forecasted to reach the $0.35 mark by the third quarter of 2025 and to surpass the $2.51 figure by 2030, which will require a market cap of $373 billion. This is still a considerable distance from its current value.

The initial cost of investing in DOGE would have been $1,000, based on one year ago at $ 0.109, when compared to the current price of $ 0.33, indicating that the investment would have appreciated to a return of 53 percent. The advantage of DOGE is its brand recognition and community support; however, the absence of strong utility beyond payments and tipping means it takes a backseat in various contexts compared to projects with a technological focus. DOGE attracts investors due to its low entry barrier and cult-like status, but the volatility predicated on the general attitude toward the token and outside recommendations creates a threat to long-term investors.

Shiba Inu: The Evolving Meme Ecosystem

Shiba Inu (SHIB), released in 2020, is a Dogecoin-inspired meme token that has reached a market cap of $ 15.2 billion and a price of $ 0.0000257. The price limit of SHIB is primarily determined by the massive supply of tokens in circulation, which stands at 589 trillion tokens, despite the burns that have eliminated more than 410 trillion tokens. Its Layer-2 network, Shibarium, its decentralized trading platform, ShibaSwap, and NFT projects have increased its value extensively, but in 2025, SHIB is reported to have lost 28% of its value so far this year, demonstrating its volatility. Enhanced purchases increased by 3.5 percent due to recent burns of 7.3 million tokens. It is forecasted that they will reach $0.000104 by the end of the year and $ 0.0005 by 2030, which, in comparison with the current state, represents a growth of 1,846 percent.

An investment of a thousand dollars in SHIB a year ago would have been worth $0.0000323, and now it is worth $796, losing 20.4 percent. This is an example of its speculative nature. The SHIB community, known as the SHIBArmy, utilizes social media and involvement with DeFi to accumulate momentum. However, the reliance on hype and the lack of tangible use cases, unlike RXS, makes it a riskier choice. Short-term investors might have an interest in SHIB, but the long-term path of the cryptocurrency relies on burns and mass adoption.

Making a Right Investment

The contrast between Rexas Finance, Dogecoin, and Shiba Inu is based on the investment objectives. The originality of the solution offered by RXS lies in the tangible problem that tokenization of assets addresses, which this project helps to break. It has a low market cap with a limited supply, which means its opportunities are exponential. Analysts are estimating an explosive increase of 12,000 to reach $ 20 by December 2025. This would suit adventurous investors who are hoping to guarantee massive returns. DOGE and SHIB, being popular assets, are closely tied to the community mood and market cycles. The stability of DOGE stems from its long-standing brand history, while the potential of SHIB is limited by its ecosystem, which is challenged by the limits in supply.

With a $1,000 investment, RXS may reach $10 by 2026, at which point it will generate earnings of $40,000, compared to the $2,101 and $4,047 of DOGE at 0.35 and SHIB with 0.000104 at the end of 2022. The emphasis RXS has placed on utility, security, and institutional attractiveness makes it the best long-term choice. DOGE, meanwhile, is for those who bet on seeking mainstream adoption, while SHIBs are maintained by their holders. With a competitive edge related to the real-life utility factor in a market where innovation is the key parameter, Rexas Finance has the opportunity to surpass the meme-based appeal of Dogecoin and Shiba Inu by 2026.

MoonPay is a major financial technology platform that offers an opportunity to purchase, sell, and exchange cryptocurrency such as Bitcoin, Ethereum, XRP, and Shiba Inu. Unlike traditional exchanges or independent wallets, MoonPay is designed as a non-custodial platform, meaning it does not manage or store customer funds or individual key items. Rather, it automatically generates non-custodial wallets when a user signs up, allowing them to manage assets such as BTC, ETH, SOL, and XRP without requiring logins or transfers to and from MoonPay. Nonetheless, the issue that may not be as easy to find the concrete wallet provider related to these MoonPay-created wallets is that the platform operates with numerous blockchain networks and external services.

In creating a MoonPay account, the system creates non-custodial wallets per the cryptos it supports, including Ethereum Virtual Machine (EVM) chain tokens such as Binance Chain/BNB support or Solana-chain supported tokens such as SOL and USDC (SOL). These wallets differ from external wallets you may attach to MoonPay, such as MetaMask or Trust Wallet, which are third-party providers. It is essential to understand the distinction between assets stored in a wallet created by MoonPay and those stored in an external wallet, as this helps you coordinate your assets and manage your finances effectively.

Steps to Identify Your Wallet Provider

Figure out the wallet provider you want to use for MoonPay is simple, and to do this, you will need to log into your MoonPay account. Find the menu, select the group “Wallets”, and you will see the listing of the assets located in your MoonPay account and some external wallets you have already interacted with through the site. Wallets generated in MoonPay are clearly labeled as belonging to your MoonPay account, and the addresses are linked to MoonPay’s non-custodial infrastructure. When signing up, these wallets are generated automatically and are not dependent on an external provider. This means that MoonPay itself enables their operation, but does not store your private keys or recovery phrase.

If you have an external wallet, such as those run by Bitcoin.com, MetaMask, or Exodus, it will be directed to the wallets section after you have transacted via MoonPay. Check the wallet where you perform transactions to confirm the provider. You can accomplish this by selecting a specific asset (e.g., ETH or SOL) and observing its transaction history in the “Recent Activity” section. If the address was generated through MoonPay, it is controlled within the MoonPay non-custodial environment. With external wallets, you will need to use a cross-reference with the address you used to create the wallet (log in to it and verify that the address in the notification matches what is displayed in the wallet).

To be even more specific, check the on-chain transaction history by looking at your MoonPay wallet address and entering it into a blockchain explorer, such as Etherscan (for Ethereum-based assets) or Solscan (for Solana-based ones). This will portray the transaction information and verify the origin of the wallet. According to the documentation created by MoonPay, external wallets are designed and maintained outside of MoonPay. Therefore, if your address does not correspond to a wallet generated using MoonPay, don’t hesitate to get in touch with the external platform (e.g., Exodus or Trust Wallet). In cases of address-specific questions or doubts about where the wallet was created, MoonPay recommends contacting their support center through live chat.

Essential Factors to Consider about External Wallets

If you have received cryptocurrency with or without using an external wallet with MoonPay, it is essential to know who the provider is, as this helps to trace any issues, such as loss of funds or transaction errors. In May 2025, posts to X announced that MoonPay integrates with more than 250 wallets and applications such as Phantom, Trust Wallet, and Exodus. To find out who the provider is, visit buy.moonpay.com/trade_history to check your transaction history and download a CSV file with it. Search the wallet address you have spent in it and compare it to the site where you created the wallet. For example, if you took some crypto and sent it to a MetaMask wallet, the provider in this case is MetaMask. In such instances, you would address the support channels associated with them when you encounter problems, such as accessing the recovery phrase.

MoonPay supports non-custodial wallets, where you will be asked to keep your recovery phrasea, a sequence of words that can be used to unlock your funds. If you lose this phrase, MoonPay will be unable to retrieve your money, as it does not possess the private keys. In terms of external wallets, the same applies; you should contact the person providing the wallet (e.g., Ledger or Bitcoin.com) and explain the recovery/access issue to them. When sending crypto, be cautious, as a transfer to an incompatible wallet (e.g., BNB to an Ethereum-only wallet) may result in the loss of funds, as explained in MoonPay’s support resources.

Where to Turn to and Mistakes to Avoid

And even then, still failing to recognize your wallet provider, the MoonPay support team is available through a button in the bottom right corner of the app, labeled ‘Help’. To expedite support, please include details such as a transaction hash or wallet address. MoonPay partnership. As social media sentiment reveals in X posts from July 2025, the integration with certain platforms, such as Revolut or PayPal, can be regarded as quite broad, whereas issues regarding orientation within the app are also voiced. One of the users reported a problem locating the wallet page, and he provided a screenshot to show any inaccuracies upon requesting support.

You should always verify the wallet addresses before making transfers and ensure your MoonPay account is linked to the correct email address to prevent loss. You can identify whom to refer to in case of any issue, as differentiating between the non-custodial wallets that MoonPay offers and the external wallets you manage allows you to explore solutions with confidence.

Shiba Inu was created in August 2020 by the anonymous developer known as Ryoshi and is a meme coin inspired by the meme coin Dogecoin and the Shiba Inu dog breed. With a market cap of $ 15.2B as of July 18, 2025, and a trading price of $ 0.0000257, SHIB is one of the most popular cryptocurrencies that thrives due to its community fanatics and speculative bubble. Half of its initial quadrillion-token supply was burned, but the remaining 589 trillion tokens ensure that prices are affordable to retail investors looking to take high-risk, high-reward bets.

Shiba Inu has become more than a meme. Layer-2 scaling, which is Shibarium, increases the rate of transactions and lowers the cost of transaction,s making SHIB a challenger in the decentralized finance world. Additional functionalities, such as a staking mechanism, NFT marketplaces, or a feature – ShibaSwap, a decentralized exchange, provide utility, but acceptance is yet to be as high as utilizing an already established network, i.e., Ethereum or Solana. In 2021, SHIB increased by 300% due to social media hype and the support of celebrities such as Elon Musk, but it has recorded a decrease of 28% since the beginning of 2025. Analysts estimate it could reach as much as $0.0000743 by the end of the year, a 189 percent increase. However, its huge supply makes ambitious targets of $5, a 19,455,252 percent increase, mathematically outlandish unless massive amounts of tokens are burned.

What is interesting about SHIB is its transactional community movement and its speculative possibilities. The mood on X is eager, and some traders are willing to gamble on temporary blips caused by market perception or the appetites of celebrities. Fortunately, its inherent uselessness and the presence of hyperbolic marketing render it a rather unstable speculation, which is more appropriate for the portfolio of speculators who are willing to risk heavily than for a sound, long-term investor in search of stability.

The Argument of XRP

The stark contrast to the speculative value of SHIB is XRP, or the native token of the XRP Ledger, which Ripple Labs operates. Launched in 2012, XRP became a low-cost way of cross-border payments with almost instant transfers compared to other conventional structures, such as the SWIFT system. XRP is trading at 2.13 with a market value of 125 billion. As of July 18, 2025, it has risen by 347 percent in the last year, driven by regulatory clarity and institutionalization. It has a maximum supply of 100 billion tokens, and currently, 58.76 billion tokens are in circulation, with 1 billion released to the market every month, as controlled by the escrow system of Ripple, a measure designed to maintain liquidity while balancing the market’s need for stability against the stimulation of inflation.

The Ripple ecosystem is solid as it has partners such as Travelex Bank, Tranglo, and SendBe, and recently made a $1.2 billion acquisition of a prime broker, Hidden Road, that clears 3 trillion trades a year. These steps enhance the position of XRP in international finance, and RippleNet has already managed to exchange amounts of money of $70 billion in such jurisdictions as Dubai and Brazil. In May 2025, the SEC settlement, which reduced Ripple Inc.’s fine to $50 million and demonstrated that XRP on exchanges was not a security, alleviated a key overhang, thereby increasing investor confidence. Waiting for ETF approvals, scheduled before the end of 2025, may also have a spillover effect, and the estimates show that even by Q1 2026, XRP might jump to $5-7, or by 135-229 percent.

The advantage of XRP is that it is a useful and well-supported cryptocurrency. Its compatibility with Ethereum-based smart contracts, along with support for a stablecoin, makes it scalable, an aspect that bankers and fintechs are likely to appreciate. Although it is criticized in terms of its centralization, what makes XRP fundamental to those investors willing to privilege fundamentals over speculation is its attention to regulation and practical utility applications.

Investment Prospection Comparison

Shiba Inu and XRP are two ambiguous cryptocurrencies that depend on risk attitudes and the durability of investments. SHIB has explosive potential, yet it does not have a clear path of sustained growth. Its current market cap of $ 15.2 billion would have to expand to $ 680 billion to reach $ 5, equivalent to an insane company like Visa, which is impossible unless people use it more than ever before, or burn it. The history has demonstrated that the highest point SHIB reached in 2021 was hyped, rather than beneficial, and its 28 percent fall in 2025 highlights its instability. The unpredictability of SHIB is evident, as an investment made in it a year ago ($3,000) would currently be valued at $2,382, resulting in a 20.6% loss.

XRP, on the other hand, has a compelling case to present to long-term investors. In July 2024, the $0.474 price of XRP would have received an investment of $3,000, which would have eventually been worth an increase of 463% or $ 2,199. Its reduced supply and institutional demand thus primes higher prices as it will need only a $294 billion market cap, or 135 percent of its current valuation of $125 billion, to reach the hypothetical $5. The transaction fees for XRP are a fraction of a penny, and the settlement time is a couple of seconds, compared to SHIB, which utilizes the more expensive Ethereum infrastructure, even with the improvements of Shibarium.

The Verdict

Investors who are interested in the stability of their investments and their real-life applications find XRP a better option. Its regulatory transparency, institutional acceptance, and technologically new level specified a clear path of growth, and a balance between XRP certainty and SHIB speculative excess, which AI models recommend among them, ChatGPT and Gemini (70/30) investing balance to increase value should be followed. The community and meme-based pump-and-dump schemes of SHIB are attractive to risk-seeking traders; however, their drawbacks in the long-term perspective include the absence of substance and a practically limitless supply. Although SHIB might give you some rewards in the short run during a bull market, the fact that XRP is grounded in the world of finance is the surer bet in the long run, both in 2025 and beyond.

On May 8, 2025, Ripple Labs and the U.S. Securities and Exchange Commission (SEC) reached a settlement, ending a contentious legal case that began in December 2020. The settlement, in which Ripple was fined a lower amount of $ 50 million compared to the $ 125 million required by the court, was the most significant incident since the existence of XRP and the entire crypto world. Ripple was facing a lawsuit by the SEC, which alleged that the company had raised $1.3 billion in unregistered securities sales through the sale of XRP. The resolution and the fact that the SEC has accepted that XRP is not a security when sold on public markets have made XRP a regulated cryptocurrency unlike any other in the U.S., a factor that has given it hope of being adopted soon and at stable prices.

The legality of the firm began when the SEC, led by Chairman Jay Clayton, accused Ripple and its leaders, Brad Garlinghouse and Christian Larsen, of violating securities laws by selling XRP without a required registration. A critical decision in July 2023 by District Court judge Analisa Torres made it clear that institutional sales perpetrated by Ripple were unregistered securities offerings that the court sanctioned, but sales on exchanges, through so-called programmatic sales, were not akin to an investment contract (as per the Howey test). This partial win by Ripple set a precedent in differentiating between primary and secondary market transactions, a delicate aspect that influenced the settlement discussion. The last settlement resulted in the withdrawal of appeals by the two parties, and a case where the value of the money, $ 75 million, was returned to Ripple by the escrow team, marking a change of heart at the SEC under the new leadership.

Regulatory Shifts and Market Impact

The settlement was timely at a time when there was a broader change in crypto governance in the U.S. After President Donald Trump was inaugurated in January 2025, the SEC under new acting chairman Mark Uyeda took a friendlier tack towards the crypto industry. The agency dismissed big-name actions against exchanges such as Binance and Coinbase, a shift toward the “regulation by litigation approach” that was disparaged during the tenure of Gary Gensler. This had been reinforced by the formation of the SEC Crypto Task Force and the prospects of new regulation governing custody and trading. In the case of Ripple, the settlement dispelled a grave legal uncertainty, allowing the company to focus on innovation and internationalization again.

The reaction of the marketplace to XRP was not delayed. The announcement of the settlement sent the token up 20 percent to reach $2.16, with trading volumes exceeding $2.4 billion. In the last year alone, XRP has risen by 347 percent, thanks to the increasing number of institutional investors and the understanding of its status. Analysts say that the $211 billion XRP market cap is still underpriced due to its usefulness in cross-boundary payments, with RippleNet reporting that it had processed $70 billion worth of transactions between banks in Dubai, Brazil, and the UAE. The settlement was also good news to the spot XRP exchange-traded funds (ETFs), which have already filed applications that could be heard in court by June 17, 2025. The approval would also potentially spark off institutional adoption akin to what happened after the Bitcoin ETF came into play in 2024.

Obstacles and Court Retaliation

Obstacles notwithstanding, there are barriers even after the settlement. In June 2025, a joint motion was denied by a federal judge, Analisa Torres, to withdraw an injunction that prevented Ripple from selling institutional XRP units without registration and to lessen the fine amount to 50 million. Torres claimed that the parties had no authority to veto a final judgment given by a court, and this was in the public interest to respect the law in securities. This decision marked a conflict between the new course that the SEC was steering and judicial control, and some commentators have taken this as frustration over the SEC’s new policy. Questioning the authenticity of the case, Stuart Alderoty, a chief legal officer at Ripple, stated that the company might take additional legal measures, but there is no effect on the exchange on whether XRP is considered a security or not.

The rejections resulted in a 15 percent decline in XRP, but it soon reversed losses, reaching a price of $ 2.12, which was better than the crypto market’s 2.5 percent rise. The episode highlighted the challenge of ensuring compliance on the one hand and innovation on the other hand in a market. Other commissioners in the SEC, such as Caroline Crenshaw, dissented because such a settlement would undermine the credibility of the SEC’s enforcement and compromise investor protection. Still, the settlement has been widely viewed as a victory for Ripple, which can now focus on the long-term legal battle and make strategic adjustments, including investing in a blockchain-powered pharmaceutical supply chain platform.

General Implications of Crypto

The Ripple case has established a precedent-setting case concerning the crypto industry. It provides a roadmap for other projects seeking regulatory clarity by affirming that sales on the secondary market are not securities. The settlement also points to the changing stance of the SEC; the reclassification of XRP as a commodity is on the table, and, in the event of success, will further justify the role of the potential asset in the financial system. X posts are created around the active interest of the community, wondering what Ripple will do next, whether it is stablecoin plans or new alliances. Nonetheless, it should not be forgotten that inaccurate statements regarding the inclusion of XRP in central bank solutions or the creation of a national crypto reserve have now been discredited, and it is necessary to exercise caution with the hype.

Due to the clarity regarding its legal status, Ripple is also focused on upgrading the XRP Ledger, including the development of EVM-compatible sidechains, which enable it to meet the growing demand for efficient payment methods. The ripple effect of the settlement extends beyond XRP, as it may mark the beginning of a new dawn in a regulated crypto renaissance, where regulation meets innovation. To investors, this new officialized status and the XRP price of USD 2.13 imply a very inviting prospect, but the injunction on institutional sales is a limitation. As regulation stands to become more clear, Ripple and XRP stand a good position to be the ones to transform the global crypto scene.