Bitcoin, Ethereum, and XRP are seen as complementary components in the cryptocurrency ecosystem, each serving unique functions. Bitcoin is recognized as a decentralized store of value, providing a secure and stable asset. Ethereum offers a programmable platform for smart contracts and decentralized finance (DeFi), enabling the creation of complex financial applications. Meanwhile, XRP is designed for fast and efficient cross-border payment settlements, facilitating quick transactions between different currencies. Analysts suggest that these cryptocurrencies form a three-layered infrastructure, with Bitcoin preserving value, Ethereum building decentralized ecosystems, and XRP bridging financial networks. This layered approach highlights their distinct purposes and potential to collectively shape the future of digital finance by addressing different challenges within the financial system.