The hottest topic across the entire internet recently is whether XRP can catch up with Ethereum after ten years. But I have to be honest—retail investors who can't even predict next week's price movements are still betting on a ten-year outlook, and that logic itself is flawed.

The numbers are right in front of us: XRP is currently priced at $2.1, Ethereum at $3100, and the market cap difference alone is on the order of 250 billion. Even if aggressive analysts call for XRP to reach $10, do you think Ethereum will stay stagnant by 2030? It might have already broken through $14,000 by then. This isn't investment logic; it's just reckless gambling.

What about those friends around me who chase the hype? When the market fluctuates, they cut their losses so quickly that they've almost lost all their principal. So recently, my mindset has shifted—rather than being attracted by these distant "what ifs," I prefer to focus on tangible, visible returns.

That's also why I recently reallocated my funds. I no longer follow the "price predictions" trend but instead focus on some purely yield-oriented product logic—like stablecoin-based financial products.

Take USD1, a stablecoin pegged to $1, for example. Its mechanism is completely different. The system uses over-collateralization and automatic liquidation mechanisms to minimize price volatility, so you don't have to guess whether the price will go up or down. The source of returns is straightforward: interest rate spreads from lending within the ecosystem, staking rewards—whenever someone borrows or participates in the ecosystem, as an asset provider, you get a continuous stream of income.

The best part is, all the logic runs on-chain, and the rules are as transparent as glass. No shady operations, no "information asymmetry" to cheat retail investors—just code speaking. This kind of certainty is much more interesting than arguing in comment sections about whether "XRP can multiply tenfold."