Mike Novogratz believes that Ripple (XRP) and Cardano (ADA) risk losing relevance if they fail to demonstrate real-world utility, according to CryptoBriefing.

The billionaire argues that the crypto market is shifting from “narrative tokens” to “business tokens” — assets with measurable value, cash flows, and sustainable economics. In his view, storytelling alone is no longer enough to support long-term valuations.

Novogratz expects this structural transformation to unfold over the next 1–3 years, during which wallets and crypto exchanges could evolve into full-scale platforms resembling neobanks, offering integrated financial services rather than speculative instruments alone.

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