For investors with a low-risk tolerance and those seeking stable asset growth, XRP is a relatively better fit. Despite regulatory uncertainties and other risks, its practical applications in the financial sector and broad market recognition provide support for its value. Investors can hold XRP as part of a long-term investment strategy, benefiting from its stability. For higher-risk-tolerant investors pursuing high-risk, high-reward opportunities, meme coins may present an option, but caution is advised. It is crucial to understand their speculative nature and volatility before investing. Meme coins can be seen as an entertainment-driven investment but should be approached with caution, regularly monitoring market sentiment and price fluctuations.