Gemini’s AI model placed XRP at the top of its return outlook through 2029, ranking it above BTC and ETH on potential percentage gains. In the same comparison, Bitcoin was described as the “safest choice,” while XRP was treated as the most aggressive position in a volatile market.
The call came in the context of Donald Trump’s push to present the United States as the “capital of crypto.” The report noted that even after Trump’s remarks at the Davos Economy Summit, the market did not move in a simple one-way direction, and Bitcoin alongside several altcoins still saw sharp price swings.
Why the model gave XRP the boldest upside case
Gemini tied its XRP view to legal pressure that, in its reading, had weighed on the token since 2020. The model argued that the SEC lawsuit against Ripple Labs kept uncertainty hanging over XRP for years, and that this overhang has now faded after the case was resolved.
From there, the AI model suggested that U.S. banks could feel more comfortable using XRP for on-demand liquidity. That adoption case sits at the center of Gemini’s bullish stance. The article did not provide exact price targets, but it clearly framed XRP as the high-upside, high-risk option within the three-asset set.
Bitcoin linked to a strategic reserve narrative
For Bitcoin, Gemini leaned on a different thesis. Rather than focusing on payments, the model described BTC as moving toward a strategic national asset category, pointing to the creation of a Strategy Bitcoin Reserve in 2025 as part of that narrative.
Under that scenario, Bitcoin could develop a kind of price “floor” effect if it is treated as a reserve asset. Gemini also argued that institutions looking for regulation-compliant ways into crypto may favor BTC as a core defensive holding, giving it a portfolio protection role rather than the highest upside profile.
Ethereum stays tied to technology and utility
Ethereum was placed in a separate bucket. Gemini said ETH fits a “technology and utility” framework more than a thesis driven by direct presidential action, with expected gains tied to broader deregulation trends rather than a specific White House policy push.
The report also said Trump’s Davos comments triggered market speculation over upcoming crypto legislation. Gemini guessed that the measure he referenced could be the CLARITY Act, but added that progress may be delayed for weeks or even months because the Senate Banking Committee has recently shifted attention toward housing regulation.
In that split outlook, XRP reflects post-lawsuit growth potential, Bitcoin carries a policy-backed safety image, and Ethereum remains centered on infrastructure and use case demand. The article also stated that the content is not investment advice and reminded readers that crypto assets remain highly volatile.