ChatGPT and Grok Discuss Which They Would Pick Between XRP and BNB as Investments for the Next Five Years

As the crypto market recovers slightly from the latest bearish pressure, investors are again facing the challenge of identifying which digital assets carry the most long-term potential.

As the crypto market experiences a slight recovery from the latest bearish pressure, investors are again faced with the challenge of identifying which digital assets carry the most long-term potential. To help answer the question of whether XRP or BNB is the better five-year bet, The Crypto Basic sought opinions from two of today’s most advanced AI models: ChatGPT from OpenAI and Grok from xAI.

To factor in the models’ thinking, we asked them to evaluate a hypothetical investment of $10,000 into either XRP or BNB at their current price points. We also had the models consider the coins’ performance, market trends, and future outlook. For reference, XRP is currently trading at $2.38 after managing a remarkable 252% since 2024. It has also managed to climb another 15.3% in the current year. At the moment, it holds the third-largest market cap among crypto assets excluding stablecoins, with a valuation of $139.4 billion.

Meanwhile, BNB trades for $653. Its performance since 2024 has also been impressive, not yet erasing a 78.86% since the start of 2024. However, its trajectory this year has faltered, slipping by 7% since the start of 2025. Despite this setback, BNB remains a top asset, with a market cap of $92 billion.

Here’s what ChatGPT and Grok had to say when asked which coin they would pick for a five-year investment:

ChatGPT Picks XRP, Citing Growing Utility

According to ChatGPT, XRP is now entering a major transformation period. It highlighted that recent legal and regulatory developments have removed much of the uncertainty that previously surrounded the asset.

As a result, it is moving away from being purely speculative and is gaining appeal among institutional investors. The model pointed to the expanding adoption of Ripple’s technology in global financial systems, particularly in cross-border payments, as a sign that XRP’s use case is increasingly becoming practical.

Moreover, ChatGPT highlighted the emergence of ETF filings related to XRP, which could present the asset a pathway into mainstream investment channels and institutional portfolios.

In contrast, ChatGPT suggested that BNB is becoming increasingly linked to the fate of the Binance exchange, which is facing regulatory scrutiny in several major markets. It argued that this centralization and dependence pose limitations on BNB’s long-term upside, especially when compared to XRP’s global footprint and legal clarity.

Grok Picks XRP Citing Performance and Market Sentiment

On the other hand, Grok presented a similar preference for XRP, but its reasoning leaned more into performance and market sentiment. The xAI model pointed out that XRP has managed to outperform BNB since the start of 2024 and also maintained positive momentum in 2025 contrasting with BNB’s recent losses.

Grok saw XRP’s higher market capitalization as evidence of greater investor confidence and mentioned the asset’s ability to satisfy the growing need for efficient cross-border payment solutions as another factor that could support its long-term growth.

In comparison, while it acknowledged BNB’s utility within the Binance ecosystem, Grok expressed concern over its recent dip in value and questioned its short-term stability.

DisClamier: This content is informational and should not be considered financial advice. The views expressed in this article may include the author's personal opinions and do not reflect The Crypto Basic opinion. Readers are encouraged to do thorough research before making any investment decisions. The Crypto Basic is not responsible for any financial losses.