Only one of these coins has a real investment thesis for now.

XRP ( XRP -2.80% ) was built as payment scaffolding. Dogecoin ( DOGE -4.21% ) is the meme coin that keeps surprising people who bet against popular culture. These coins couldn't be more different.

Both have posted big multiyear gains and made some investors into millionaires, with Dogecoin being the clear five-year standout, up by an absurd 9,780% compared to XRP's gain of 1,090%. But if your goal is long-term wealth-building from here on out rather than an outrageously risky thrill ride, there's a clear winner between these two. There are no guarantees in the world of investing or crypto, but let's investigate which of these coins is more likely to still be a millionaire maker.

XRP has decent odds for seriou

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