The long-term holding value of OKB and XRP needs to be comprehensively judged based on token attributes, ecological support, and risk characteristics. The core value logic and potential risk differences between the two are significant:
1. XRP: Leading compliant payment, long-term space opened by RWA ecology
The core value of XRP lies in Ripple's progress in cross-border payments and real-world asset tokenization (RWA). After the conclusion of the SEC lawsuit in August 2025, XRP's compliance status in the United States will be clarified, and its advantages in achieving second-level cross-border payments and low transaction fees based on XRPL have attracted over 100 financial institutions worldwide. In Q3 2025, the transaction volume of cross-border payments increased by 40% year-on-year. In addition, XRP has made deep layouts in the RWA field, with the scale of RWA assets on XRPL exceeding $5 billion in Q3 2025, covering areas such as government bonds, real estate, and carbon credits. The grayscale XRP spot ETF has also entered the SEC review stage, and if approved, it will bring in a large amount of incremental funds. However, XRP still faces competitive pressure from payment competitors like USDT, and regulatory policies in some regions have not yet been clarified.
2. OKB: Platform currency deflation reconstruction, ecological dependence on X Layer development
The core value of OKB comes from OKX's platform empowerment and deflation mechanism. In August 2025, OKX will permanently destroy 52% of the circulating supply of OKB, locking the total supply at 21 million pieces, which is consistent with Bitcoin's total volume, significantly enhancing its scarcity. At the same time, OKB has become the only Gas token for the X Layer blockchain. After the upgrade of X Layer, the throughput reaches 5000 TPS, providing on-chain demand support for OKB. However, the X Layer ecosystem is currently not mature, with its TVL only $410 million in December 2025, far below leading Layer 2 solutions like Arbitrum. Additionally, 67% of OKB's supply is concentrated in the hands of large investors, posing risks of centralization and price volatility.
Summary: If you are optimistic about the payment track of the integration of traditional finance and cryptocurrency, and can bear regulatory and competitive risks, XRP's long-term growth is more prominent; if you recognize the value binding of the exchange ecosystem and are optimistic about the development potential of X Layer, the deflation logic and platform dividends of OKB are worth paying attention to.
