Polkadot’s stronger market cap and structured ecosystem make it a safer bet for investors focused on stability and institutional adoption. Cosmos’s broader ecosystem and potential for airdrop-driven gains appeal to risk-tolerant investors. Long-term, Cosmos’s flexibility may drive more innovation, but Polkadot’s security and developer momentum could yield steadier returns. The choice depends on whether you prioritize ecosystem diversity (Cosmos) or security and capital efficiency (Polkadot).