It remains the most exciting large-cap cryptocurrency.

The cryptocurrency market is famous for its boom-and-bust volatility -- those who invest in it can make (and lose) a lot of money relatively quickly. That said, the asset class really shines for those who are willing to hold positions for the longer term. For example, if you'd put $10,000 into XRP ( XRP -6.30% ) three years ago, you would have a position worth roughly $51,300 today. That return of 413% trounced the S&P 500 index's gain of 86% over the same time frame.

Now that it sports a market cap of about $143 billion, it's fair to say that XRP's days of easy, meme-coin-like growth are probably behind it. But the asset still looks capable of outperforming the stock market as macroeconomic factors and potential

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