XRP, created by Ripple Labs in 2012, focuses on fast, low-cost cross-border transfers for banks and payment providers. Pi Coin, launched in 2019, targets mass adoption through mobile mining.
XRP's utility lies in international transfers with partnerships with major banks, while Pi Coin aims at micro-transactions through its dApps ecosystem and merchant connections.
XRP faced a major SEC lawsuit but won a ruling in 2023, leading to more compliance. Pi Network is still early-stage and lacks major exchange listings.
XRP trades around $2.3 with a market cap over $134 billion, while Pi Coin is at around $0.63 with a market cap near $4.4 billion. XRP has more institutional demand, while Pi Coin focuses on community usage.