Gemini AI Picks XRP as Top Crypto Performer Under Trump Term

Gemini’s rationale for selecting XRP as the most aggressive growth bet is rooted in a specific regulatory history. The AI pointed directly to the Securities and Exchange Commission’s (SEC) lawsuit against Ripple Labs, initiated in 2020, as the primary force that “artificially suppressed” XRP’s price through years of “legal uncertainty.” According to the analysis, the landscape has fundamentally shifted. With that lawsuit now settled and U.S. banks legally cleared to utilize Ripple’s on-demand liquidity (ODL) system, a major impediment to adoption and price appreciation has been removed.

This creates what Gemini describes as significant “catch-up” growth potential. The AI’s argument suggests that XRP’s price did not reflect its underlying utility or market position during the Biden administration due to regulatory overhang. Under President Trump, whose administration is actively “dismantling” what it views as obstructive regulations, XRP is positioned to realize its long-delayed value. This frames the asset not merely as a cryptocurrency but as a direct beneficiary of a targeted deregulatory agenda, separating its investment thesis from broader market trends.

While XRP is cast as the high-risk, high-reward play, Gemini accorded Bitcoin a fundamentally different, more conservative role. The AI stated that Bitcoin is “no longer just a trade” but has become “a national policy.” This transformation is attributed to the establishment of the Strategy Bitcoin Reserve in 2025, a move that Gemini argues has “effectively put a government floor under the price.” By treating Bitcoin as a strategic reserve asset, the Trump administration has, in the AI’s view, institutionalized its value proposition and mitigated downside risk for investors.

This policy shift recasts Bitcoin as the “King’s Guard” of a crypto portfolio—the stable, secure core. Gemini notes that this status “captures the massive institutional capital that wants exposure to crypto without regulatory risk.” The analysis implies that while Bitcoin’s explosive percentage gains might be tempered compared to an unshackled XRP, its transformation into a state-sanctioned reserve asset provides unparalleled safety and legitimacy, appealing to a different class of investor seeking regulatory certainty above all else.

Ethereum’s positioning in Gemini’s analysis differs yet again. The AI labeled ETH the “tech and utility play,” suggesting its primary value driver is intrinsic to its protocol’s capabilities rather than direct executive action. Gemini outlined that Ethereum would win the most “thanks to deregulation rather than a specific executive order targeted at it.” This frames Ethereum as a broad-based beneficiary of a more permissive regulatory environment, where innovation in decentralized finance (DeFi) and smart contracts can flourish without the threat of SEC intervention.

This distinction is crucial. While XRP’s potential is tied to the resolution of a specific legal conflict and Bitcoin’s to a specific reserve policy, Ethereum’s fortunes are linked to a generalized reduction in regulatory friction across the crypto sector. The AI’s view suggests that a Trump administration’s crypto-friendly posture, aimed at making the U.S. the “crypto capital of the world,” creates a rising tide that lifts all technologically sound boats, with Ethereum being a prime example.

Gemini’s speculative conversation unfolds against a paradoxical market reality. Despite President Trump’s reiterated goal to champion cryptocurrency, the market has suffered significant losses since his inauguration, with Bitcoin down 15% and many altcoins plummeting 70-90%. This disconnect highlights the complex lag between policy announcements, legislative action, and market response. The AI itself acknowledged the nuanced and speculative nature of its predictions.

Furthermore, potential roadblocks to this deregulatory vision remain. The analysis notes that the CLARITY Act, a piece of crypto-oriented legislation Trump recently referenced, is facing a delay of “several weeks, possibly even months” as the Senate Banking Committee pivots to housing legislation. This serves as a reminder that the administration’s ambitions can be slowed by congressional priorities. Ultimately, Gemini’s analysis presents a compelling, if hypothetical, roadmap where the winners of the next crypto cycle are determined not in Satoshi’s whitepaper, but in the halls of the SEC and the U.S. Capitol.