Why XRP vs. Hedera Is the Wrong Question To Ask

An independent crypto analyst is pushing back against one of retail’s favorite debates: whether XRP or Hedera will “win” institutional adoption. In a recent explainer video, analyst T-Bone argues that framing XRP and HBAR as rivals in a cage match misses how large institutions actually build systems, and why the real battle is between vertically integrated stacks and modular infrastructure. Not “Which Token Wins?” but “Which Risk Gets Managed?” The commentator says retail investors compare tokens as if they’re interchangeable, obsessing over speed, fees, or decentralization. Institutions, by contrast, “compare risk categories.” They ask what a system lets them

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