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Cardano vs Ripple: Which Crypto Should You Buy in 2021?

Cardano-vs-Ripple-Which-Crypto-Should-You-Buy-in-2021 Market

This article will highlight all the essential differences between Cardano vs Ripple. Also, we will find out whether Cardano or Ripple is worth buying in 2021. In addition, we can also see about which is the best investment out of two.

Saying that the traditional financial world suffered bloodshed in 2020 is an understatement. However, many industry experts were surprised by how well the crypto market resisted the COVID-19 storm.

All in all, many investment funds and large-scale businesses found themselves investing in Bitcoin, Ethereum, Ripple, and Cardano to protect against future uncertainties.

Even more, this shift did not go unnoticed by individual investors. In addition, the cryptocurrency saw bull runs for all the major tokens, as more and more people started to invest in cryptocurrency in 2021.

Whilst Bitcoin has been a favorite option for several years, many traders have also chosen to invest in the leading altcoins. However, two of the most notable are Cardano and Ripple. But should you invest in Cardano or buy Ripple in 2021?

We’ve put together the following comparison to see how each cryptocurrency measures up against one another.

Cardano vs Ripple: What Are the Key Differences Between Them

It is important to know the key differences between the two cryptocurrencies. However, we should have clear ideas in which ways they compete and provide something different from one another.



Cardano was created in 2015. Moreover, its native asset ADA is founded to offer a platform not only for sending and receiving a native cryptocurrency. Also to facilitate smart contracts and the development of distributed applications (DApps).

As for the blockchain, Cardano provides a unique two-layer architecture, one for handling general transactions and the other for dealing with smart contracts.

In addition, Cardano was developed by ex-Ethereum co-founder Charles Hoskinson. More so, Cardano is the world’s first peer-reviewed digital currency. Furthermore, it has been scrutinized by several prominent academic institutions.


Ripple was first developed in 2004 by Ryan Fugger, a Web developer in Vancouver, B.C., Canada. In 2005, Fugger started to build Ripplepay as a financial service. Specifically, its primary purpose was to provide secure payment options to members of an online community through a global network.

Added to this, the company created a new digital currency system in May 2011, for which it issued its own cryptocurrency XRP. More so, this led to the development of a new system in 2011 by Jed McCaleb.

In short, Ripple created XRP to eliminate Bitcoin’s reliance on centralized exchanges. Today, XRP is one of the largest cryptocurrencies in capitalization.

Read also: Cardano vs Ethereum — What’s the Difference?

Transaction and speed

Cardano has a fairly impressive speed, thanks to the Hydra 2 scaling solution implemented over the existing Proof-of-Stake protocol. More so, this is responsible for the development of Cardano (ADA). In fact, the simulations show the network is capable of processing over one million transactions per second.

In addition, this is made possible by the two-layer system. Furthermore, this could be the reason to buy Cardano in 2021. However, investors should keep in mind that the one-million TPS touted by Hoskinson is yet to be realized.

Ripple’s suite of products, including XRP, is developed to transfer money rapidly across the world. Moreover, Global recognition and speed are essential for merchants who want to work internationally.

XRP can process 1,500 transactions per second with an average ledger settlement of 3-5 seconds. Consequently, this speed makes XRP a practical currency for instant transactions in comparison to other leading digital currencies.

Cardano vs Ripple: Which Is the Better Investment?

People looking to invest in crypto in 2021 may have already earmarked Cardano and/or Ripple for inclusion in their portfolio. Moreover, both tokens have great potential.

Choosing whether to invest in Cardano or buy Ripple in 2021 will inevitably depend on your investment goals. More so, there’s no reason to choose one over the other. But for the sake of comparing Cardano vs Ripple, there are a few key metrics.

Also, there are indicators we can use to differentiate between the two with regard to the investment opportunity.

Firstly, cryptocurrency price forecasts are usually based on technical analysis of historic price movement. Secondly, we can then see the predictions made by some of the leading platforms in the industry. Thirdly, expert insights can be a great path for getting further information and gauging mainstream desire for a particular cryptocurrency.

Cardano vs Ripple: Price History

If you’re looking to invest in Cardano, you might be aware that its price flow is somewhat different than many other altcoins.

ADA very quickly reached equity with the US dollar during the first few months of its trading lifecycle. Moreover, it’s all-time high of $1.18, reached in January 2018. However, the spike proved short-lived and ADA quickly plummeted to less than $0.10 per token — finishing the year at around $0.03.

ADA stayed subdued and did not spike over $0.10 until the summer of 2020. In addition, ADA then turned a corner at the end of the year, as there was a rush to invest in it. Moreover, the prices soared by over 500% until reaching $0.92 by the end of January 2021. Furthermore, ADA reached its new ATH of $1.48 on February 27, 2021.

On the other hand, Ripple reached its all-time high price on January 04, 2018. Its value reached over $0.40 per coin during January 2021, two times more than it was in December. Ripple’s price has been under a dollar per coin for more than a year, with little indication of increase.

Recently, XRP showed bullish sentiments with its price surpassing over $0.48 today. Notably, XRP price surged to its 16-month highs, recording the highest price mark since July 2019. Moreover, the surge to a new yearly high reveals the likelihood of a new uptrend.

Cardano vs Ripple: Future Price Predictions


ADA has a circulating supply of 31.9 billion and a max supply of 40 billion. According to CoinGecko, the ADA price is at $1.11 with a 24-hour trading volume of $5.9 billion, at the time of writing.

ADA USDT price chart
ADA/USDT price chart (source: TradingView)
  • Resistance Level 1 – $1.3
  • Resistance Level 2 – $1.53
  • Next Resistance Level 3 – $1.78
  • Support Level 1 – $0.84
  • Support Level 2 – $0.7
  • Next Support Level 3 – $0.6

The above chart shows the impressive performance of ADA in the last few days. ADA is showing a bullish trend. Additionally, if the trend continues, ADA will run along with the bulls, overtaking its $1.53 resistance level and climb higher to $1.78.

If the bullish trend continues, the ADA can surge over it’s all-time high (ATH) price of $1.48. In contrast, if the investors move against the cryptocurrency, the bears might take over. More so, the ADA price might plummet to almost $0.6, a bearish signal.


According to CoinGecko, the XRP price is at $0.46 with a 24-hour trading volume of $3.36 billion, at the time of writing. Moreover, XRP has a circulating supply of 45.4 billion and a max supply of 100 billion.

XRP USDT price chart
XRP/USDT price chart (source: TradingView)
  • Resistance Level 1 – $0.52
  • Resistance Level 2 – $0.61
  • Next Resistance Level 3 – $0.7
  • Support Level 1 – $0.43
  • Support Level 2 – $0.34
  • Next Support Level 3 – $0.24

The above chart shows the performance of XRP in the last few days. XRP is showing a bullish trend. If this continues, XRP may overtake its $0.61 resistance level and climb higher to $0.7.

If all goes well, XRP can also surge over its ATH price of $3.84. In contrast, if the investors move against the cryptocurrency, the bears might take over. More so, the XRP price might plummet to almost $0.24, a bearish signal.


So, is Cardano a better investment than Ripple?

It’s difficult to decide when looking at Cardano vs Ripple as an investment potential. While Cardano is more established and has a higher price. More so, history shows us that it is not immune to sudden price drops.

Those looking to invest in Cardano are also able to get a much larger holding. That is, with tokens currently trading at barely the price of a single US dollar. Ultimately, investment growth is estimated in percentage. In addition, both coins are predicted to perform well throughout 2021.

Whether you choose to invest in Cardano or buy Ripple in 2021, it’s important to manage your expectations. Both coins have experienced sudden and sustained price drops. Furthermore, the cryptocurrency market is notoriously volatile. In the end, the final decision is up to the investors.


How do I choose between Cardano vs Ripple?

Many aspiring investors start out by comparing cryptocurrencies to determine which ones best fit their portfolio objectives. However, comparing Cardano vs Ripple is a daunting affair. Both crypto provide plenty of opportunities when they are part of a diversified portfolio.

Cardano vs Ripple – which is the better investment?

Both Cardano and Ripple provide great investment opportunities in 2021. Analysts vary on exact price movement, but most agree that ADA and XRP will appreciate over the coming years.

Where can I buy cryptocurrency in 2021?

If you were looking to buy crypto in 2021, then you need to find a broker or exchange that can facilitate the transaction.

Disclaimer: The views and opinions expressed in this article are solely the author’s and do not necessarily reflect the views of CoinQuora. No information in this article should be interpreted as investment advice. CoinQuora encourages all users to do their own research before investing in cryptocurrencies.

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Crypto trading has enticed Ananthi Reeta to write for CoinQuora. She consistently contributes news and feature articles. She has covered several different blockchain and crypto niches, especially altcoins.