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XRP (XRP) vs Stellar Lumens (XLM)

Considerations when deciding between XRP and Stellar Lumens

With strong financial backing and a long list of partners, Ripple has attracted plenty of attention not only in the cryptosphere but also across mainstream media. But any analysis of Ripple inevitably draws comparisons with Stellar Lumens (XLM), another crypto giant focused on offering fast, reliable and affordable global payments.

There are plenty of similarities between Stellar and Ripple, but also a few key differences. Read on to find out how these two cryptocurrencies stack up against one another and decide which project is best placed for success.

Disclaimer: This information should not be interpreted as an endorsement of cryptocurrency or any specific provider, service or offering. It is not a recommendation to trade.

Skip ahead: Where can you buy XRP or XLM?

XRP vs XLM: The breakdown

XRP (XRP)

XRP

Stellar Lumens (XLM)

Stellar Lumens

Description XRP is designed to offer fast, cheap and secure cross-border payments through RippleNet, a network of banks and payment providers all around the world. Stellar offers a network that connects banks, payment systems and people around the world, with the aim of offering fast, cheap and reliable cross-border payments. The Lumen (XLM) is Stellar's native currency and is used to facilitate exchanges between fiat currencies.
Uses Cross-border Payments Cross-border Payments
Ticker symbol XRP XLM
Release year 2012 2014
Origin United States United States
Maximum supply 100,000,000,000 Unlimited Supply
Notable team members Brad Garlinghouse, David Schwartz, Stefan Thomas Jed McCaleb, David Mazières
Notable partnerships Accenture, American Express, Deloitte, Royal Bank of Canada, MoneyGram, National Australia Bank, Western Union, Westpac IBM
Consensus algorithm Proof of Correctness Stellar Consensus Protocol
Mineable? No No
Learn to buy/sell

What's the difference between XRP and Ripple?

The term “Ripple” is often used to describe the XRP cryptocurrency, but this is in fact incorrect:

  • Ripple is a California-based tech company that aims to streamline and innovate cross-border payments.
  • XRP (XRP) is the independent digital asset that facilitates transactions on the Ripple network.

[INFOGRAPHIC] An in-depth comparison of XRP and Ripple.


Ripple and Stellar: How do they work?

Founded in 2012 by Jed McCaleb and Chris Larsen, Ripple offers a digital payment network for financial transactions. It provides a blockchain-based solution designed to facilitate cross-border payments between financial institutions, using the XRP cryptocurrency (XRP) to act as a bridge between fiat currencies.

Following differences of opinion with other members of the Ripple team, McCaleb left Ripple and founded Stellar in 2014. The two platforms initially shared some code but are now based on completely different codes.

Stellar also aims to offer fast and affordable cross-border transactions, but it uses a distributed payments network designed to connect banks, payment systems and people around the world. Stellar’s native asset, the Lumen (XLM), is used to conduct transactions between different currencies.

On paper, they’re both very similar projects, but they’re actually far from identical. One of the big differences is based on philosophy: while Ripple is focused on improving the efficiency of international transactions between banks, financial institutions and other corporates, Stellar has turned its attention to providing access to low-cost financial services for those in the developing world.

It’s also worth noting that Stellar offers a couple of additional features that Ripple does not. Not only does the Stellar network provide a decentralized exchange, it also provides a platform for ICO launches.

How XRP (XRP) works

Banks and multinational corporations use XRP to make international payments. This is done by transferring the XRP token through the Ripple network. The end result is liquidity on demand.

How Stellar Lumens (XLM) works

Stellar lets individuals trade money directly with each other, using Lumens (XLM) as a medium and “anchors” to handle the fiat currency aspects.

Case study: What’s the difference between transferring fiat currency, XRP and XLM?

Let’s say Jim wants to send money from a Canadian bank account to a German bank account, converting it to euros along the way. He wants to do it at the best rates possible.

Compare how Jim’s process would differ based on which currency he transfers:

1. Transferring fiat currency

The money will be bumped between several banks on the way. It will frequently be converted from CAD to USD to EUR on the way. The entire process takes three to five days, incurs fees from each bank on the way and loses Jim money on all the exchange rates.


2. Transferring XRP

Jim could buy XRP himself and send it to a wallet address overseas, but he doesn’t want to. Fortunately, his bank uses the Ripple platform and can send and receive XRP.

He makes a money transfer as usual. His bank sends XRP directly to the bank of the recipient account. The payment is made at whatever exchange rates and fees the bank chooses to charge for this service.

If Jim is lucky, it has passed some of the savings onto him.


3. Transferring XLM

Jim signs onto the Stellar platform and sends money through it. It makes the transfer automatically.

First, it converts the CAD to euros, then it uses an anchor to transfer the euros to the recipient account.

An anchor is a Stellar partner that’s entrusted with actually transferring the funds. These are usually money transfer companies. Jim can choose his own anchor and shop around for the one he wants.

There are a few different ways Jim’s CAD might be converted into euros.

  • Peer to peer: It looks for people who want to trade euros for CAD and picks the best prices.
  • Via XLM: Lumens (XLM) are used to fill the gaps or make up the entire transfer if needed. For example, the Stellar platform might sell Lumens for euros through an existing order on the official Stellar exchange.
  • Chain of conversions: The platform can automatically perform a chain of conversions, such as CAD > USD > GBP > EUR if that’s what it takes.

Between these options, which are carried out automatically, and with XLM to fill in the gaps and grease the wheels, people can make efficient peer-to-peer money transfers or simply convert currency for their own purposes.

Where to buy XRP and XLM

Name Product Deposit methods Fiat Currencies Cryptocurrencies
Bitbuy Digital Currency Exchange
Cryptocurrency, Interac e-Transfer, Wire transfer
CAD

9
cryptocurrencies

Get a $20 bonus when you open an account and deposit at least CAD$250. T&Cs apply.
At this Canada-based cryptocurrency exchange, you can fund your account in CAD via Interac eTransfer and bank wire.
Netcoins Exchange
Netcoins Exchange
Cryptocurrency, Interac e-Transfer, Bank Wire, Online Bill Payments
CAD

7
cryptocurrencies

Buy Bitcoin and 5 other cryptocurrencies instantly using this straightforward broker.
NDAX Cryptocurrency Exchange
Bank transfer (ACH)
CAD

11
cryptocurrencies

Get a $10 bonus when you open an account and deposit at least CAD$100. T&Cs apply.
NDAX is a Canada-based digital asset exchange with CAD currency pairs and with options for advanced traders.
CoinSmart Cryptocurrency Exchange
Credit card, Debit card, Interac e-Transfer, Bank Wire, Bank Draft
CAD

10
cryptocurrencies

Get a $20 bonus in BTC when you open an account and deposit at least CAD$100. T&Cs apply.
Buy and sell cryptocurrency quickly and easily, with instant verification and 24/7 customer support, on this Canadian exchange.
Coinberry Cryptocurrency Exchange
Credit card, Debit card, Interac e-Transfer, Wire transfer
CAD

6
cryptocurrencies

Get a $20 bonus when you buy or sell at least CAD$50 in digital currency. T&Cs apply.
Buy and sell cryptocurrency with Canadian dollars on this beginner-friendly Canadian exchange.
Crypto.com App
Credit card, Cryptocurrency, PayPal, TransferWise, SEPA
USD, AUD, CAD, CHF, EUR, GBP, NZD, SGD, JPY, ZAR & 9+ more

153
cryptocurrencies

Buy 100+ cryptocurrencies, earn up to 14.5% p.a. on holdings, pay with your crypto for cashback at stores, get loans and more with this complete crypto-finance platform.
Binance Cryptocurrency Exchange
Bank transfer (ACH)
USD, AUD, GBP, EUR, RUB, TRY, NGN, UAH, PHP, CZK & 20+ more

314
cryptocurrencies

Promo: New users earn up to USD 100 in bonus rewards on qualified deposits and trades. Valid till 31 December 2021. T&Cs apply.
Trade an extensive range of reputable coins on this world-renowned exchange, popular for its high liquidity and multi-language support.

US residents: As of September 2019, US-based users can only trade USD on the American dollar onramp of Binance, Binance.US.
UK residents: In addition to normal crypto trading services, Binance offers margin lending. As this is a regulated activity which they are not authorised to offer in the UK, we advise you not to use this service. If you're interested in margin trading, see authorised providers.
CA residents: Binance is not available for Ontario-based users.
FTX Cryptocurrency Exchange
FTX Cryptocurrency Exchange
Credit card, Wire transfer, Silvergate Exchange Network (SEN), Signature SIGNET
USD,EUR,GBP,AUD,HKD,SGD,TRY,ZAR,CAD,CHF,BRL

69
cryptocurrencies

FTX is an exchange built by traders for traders, with a range of derivatives markets such as options and futures with deep leverage, in addition to standard spot markets. Note: Not available for US customers.
KuCoin Cryptocurrency Exchange
Cryptocurrency, PayPal, Wire transfer, Credit or Debit Card, SEPA
USD, EUR, GBP, RUB, CNY, AUD, KRW, JPY, TRY, VND & 40+ more

434
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Finder exclusive: Sign up and use code 1xf56 for one month of VIP 1 benefits. Deposit/transfer more than 0.1 BTC to KuCoin within 7 days of registration for 1 month of VIP 2 benefits. T&Cs apply.
Browse a variety of coin offerings in one of the largest multi-cryptocurrency exchanges and pay in cryptocurrency.
Coinbase Digital Currency Exchange
Bank transfer (ACH)
USD, EUR, GBP, CAD, MXN, HRK, CZK, DKK, CLP, BGN & 10+ more

73
cryptocurrencies

Buy and sell major cryptocurrencies on one of the world's most renowned cryptocurrency exchanges.
OKEx Cryptocurrency Exchange
Bank transfer, Cryptocurrency, iDEAL, PayPal, POLi, SEPA, Faster Payments (FPS)
USD, CNY, EUR, ARS, AUD, BGN, BRL, CAD, CHF, COP & 20+ more

271
cryptocurrencies

Promo: Earn US$10 in BTC when you refer a friend and they purchase $100 of cryptocurrency. T&Cs apply.
Listing over 100 cryptocurrencies, OKEx offers its users a variety of payment methods and coins to choose from.
Coinsquare Cryptocurrency Exchange
Interac e-Transfer, Wire transfer, Wealth Wire, Rushed Wire, Direct Bank Deposit
CAD, USD, EUR, GBP, CHF

10
cryptocurrencies

Finder exclusive: Get a $10 bonus when you deposit at least CAD$100. T&Cs apply.
Trade some of the most popular cryptocurrencies with competitive fees on this intuitively designed Canadian exchange.
Bittrex Global
Bank transfer, Credit card, Cryptocurrency, Debit card
USD

280
cryptocurrencies

Buy from one of the largest cryptocurrency exchanges with a selection of over 190+ cryptocurrencies and 3 USD pairings.
Coinmama Cryptocurrency Marketplace
Bank transfer, Credit card, Cryptocurrency, Debit card
USD, EUR, AUD, CAD, GBP, JPY

10
cryptocurrencies

Founded in 2013, CoinMama lets you buy and sell popular cryptos with a range of payment options and quick delivery.
Bitfinex Professional Trading Exchange
Credit card, Cryptocurrency, Bank Wire
USD, EUR, GBP, JPY

168
cryptocurrencies

Cryptocurrencies are a highly volatile investment product. Your capital is at risk.
Spot trade all of the major cryptos on this full-featured exchange and margin trading platform.
Paybis Cryptocurrency Exchange
Bank transfer, Credit card, Cryptocurrency, Neteller, Skrill, Apple Pay
EUR, GBP, USD, AUD, CAD, PHP, SGD, CHF, HKD, JPY & 30+ more

32
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Buy Bitcoin and other popular cryptocurrencies with credit card or debit card on this digital cryptocurrency exchange.

US residents: Restricted in the following states - NY, CT, NM, WA, HI, AL, VT, FL, AK, NV.
CEX.IO Cryptocurrency Exchange
Bank transfer, Credit card, Cryptocurrency, SWIFT, SEPA, Faster Payments (FPS)
USD, EUR, GBP, RUB

22
cryptocurrencies

Disclaimer: Highly volatile investment product. Your capital is at risk.
Use your USD, EUR or RUB to buy and sell cryptocurrency at competitive exchange rates and with high maximums for verified accounts.
Huobi Cryptocurrency Exchange
AdvCash, Cryptocurrency, SWIFT, Wire transfer
GBP, USD, AUD, EUR, INR, BRL, KHR, CAD,CNY, NZD & 15+ more

228
cryptocurrencies

Huobi is a digital currency exchange that allows its users to trade more than 190 cryptocurrency pairs.
Bithumb Cryptocurrency Exchange
Cryptocurrency
KRW

193
cryptocurrencies

A global platform where users can make KRW and cryptocurrency deposits to purchase up to 15 popular cryptocurrencies.
Bitstamp Cryptocurrency Exchange
Bank transfer, Cryptocurrency, Credit or Debit Card, SEPA, Faster Payments (FPS)
USD, EUR, GBP

35
cryptocurrencies

A global cryptocurrency exchange that facilitates crypto to fiat transactions, where you can use EUR or USD to buy bitcoin and popular altcoins.
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Compare up to 4 providers

Name Product Deposit methods Fiat Currencies Cryptocurrencies
Bitbuy Digital Currency Exchange
Cryptocurrency, Interac e-Transfer, Wire transfer
CAD

9
cryptocurrencies

Get a $20 bonus when you open an account and deposit at least CAD$250. T&Cs apply.
At this Canada-based cryptocurrency exchange, you can fund your account in CAD via Interac eTransfer and bank wire.
NDAX Cryptocurrency Exchange
Bank transfer (ACH)
CAD

11
cryptocurrencies

Get a $10 bonus when you open an account and deposit at least CAD$100. T&Cs apply.
NDAX is a Canada-based digital asset exchange with CAD currency pairs and with options for advanced traders.
CoinSmart Cryptocurrency Exchange
Credit card, Debit card, Interac e-Transfer, Bank Wire, Bank Draft
CAD

10
cryptocurrencies

Get a $20 bonus in BTC when you open an account and deposit at least CAD$100. T&Cs apply.
Buy and sell cryptocurrency quickly and easily, with instant verification and 24/7 customer support, on this Canadian exchange.
Gate.io Cryptocurrency Exchange
Cryptocurrency
USD, EUR, GBP, HKD, SGD, AUD, CHF, MXN

301
cryptocurrencies

Finder exclusive: New users get $90 worth of Gate.IO points and an airdrop of $5 in random tokens if trade volume exceeds $100 in their first week. T&Cs apply.
A feature-rich exchange with over 700 tokens including derivatives, yield farming and lending products.
Coinberry Cryptocurrency Exchange
Credit card, Debit card, Interac e-Transfer, Wire transfer
CAD

6
cryptocurrencies

Get a $20 bonus when you buy or sell at least CAD$50 in digital currency. T&Cs apply.
Buy and sell cryptocurrency with Canadian dollars on this beginner-friendly Canadian exchange.
Crypto.com App
Credit card, Cryptocurrency, PayPal, TransferWise, SEPA
USD, AUD, CAD, CHF, EUR, GBP, NZD, SGD, JPY, ZAR & 9+ more

153
cryptocurrencies

Buy 100+ cryptocurrencies, earn up to 14.5% p.a. on holdings, pay with your crypto for cashback at stores, get loans and more with this complete crypto-finance platform.
Binance Cryptocurrency Exchange
Bank transfer (ACH)
USD, AUD, GBP, EUR, RUB, TRY, NGN, UAH, PHP, CZK & 20+ more

314
cryptocurrencies

Promo: New users earn up to USD 100 in bonus rewards on qualified deposits and trades. Valid till 31 December 2021. T&Cs apply.
Trade an extensive range of reputable coins on this world-renowned exchange, popular for its high liquidity and multi-language support.

US residents: As of September 2019, US-based users can only trade USD on the American dollar onramp of Binance, Binance.US.
UK residents: In addition to normal crypto trading services, Binance offers margin lending. As this is a regulated activity which they are not authorised to offer in the UK, we advise you not to use this service. If you're interested in margin trading, see authorised providers.
CA residents: Binance is not available for Ontario-based users.
KuCoin Cryptocurrency Exchange
Cryptocurrency, PayPal, Wire transfer, Credit or Debit Card, SEPA
USD, EUR, GBP, RUB, CNY, AUD, KRW, JPY, TRY, VND & 40+ more

434
cryptocurrencies

Finder exclusive: Sign up and use code 1xf56 for one month of VIP 1 benefits. Deposit/transfer more than 0.1 BTC to KuCoin within 7 days of registration for 1 month of VIP 2 benefits. T&Cs apply.
Browse a variety of coin offerings in one of the largest multi-cryptocurrency exchanges and pay in cryptocurrency.
Coinbase Digital Currency Exchange
Bank transfer (ACH)
USD, EUR, GBP, CAD, MXN, HRK, CZK, DKK, CLP, BGN & 10+ more

73
cryptocurrencies

Buy and sell major cryptocurrencies on one of the world's most renowned cryptocurrency exchanges.
OKEx Cryptocurrency Exchange
Bank transfer, Cryptocurrency, iDEAL, PayPal, POLi, SEPA, Faster Payments (FPS)
USD, CNY, EUR, ARS, AUD, BGN, BRL, CAD, CHF, COP & 20+ more

271
cryptocurrencies

Promo: Earn US$10 in BTC when you refer a friend and they purchase $100 of cryptocurrency. T&Cs apply.
Listing over 100 cryptocurrencies, OKEx offers its users a variety of payment methods and coins to choose from.
Coinsquare Cryptocurrency Exchange
Interac e-Transfer, Wire transfer, Wealth Wire, Rushed Wire, Direct Bank Deposit
CAD, USD, EUR, GBP, CHF

10
cryptocurrencies

Finder exclusive: Get a $10 bonus when you deposit at least CAD$100. T&Cs apply.
Trade some of the most popular cryptocurrencies with competitive fees on this intuitively designed Canadian exchange.
Bittrex Global
Bank transfer, Credit card, Cryptocurrency, Debit card
USD

280
cryptocurrencies

Buy from one of the largest cryptocurrency exchanges with a selection of over 190+ cryptocurrencies and 3 USD pairings.
Bitfinex Professional Trading Exchange
Credit card, Cryptocurrency, Bank Wire
USD, EUR, GBP, JPY

168
cryptocurrencies

Cryptocurrencies are a highly volatile investment product. Your capital is at risk.
Spot trade all of the major cryptos on this full-featured exchange and margin trading platform.
Paybis Cryptocurrency Exchange
Bank transfer, Credit card, Cryptocurrency, Neteller, Skrill, Apple Pay
EUR, GBP, USD, AUD, CAD, PHP, SGD, CHF, HKD, JPY & 30+ more

32
cryptocurrencies

Buy Bitcoin and other popular cryptocurrencies with credit card or debit card on this digital cryptocurrency exchange.

US residents: Restricted in the following states - NY, CT, NM, WA, HI, AL, VT, FL, AK, NV.
CEX.IO Cryptocurrency Exchange
Bank transfer, Credit card, Cryptocurrency, SWIFT, SEPA, Faster Payments (FPS)
USD, EUR, GBP, RUB

22
cryptocurrencies

Disclaimer: Highly volatile investment product. Your capital is at risk.
Use your USD, EUR or RUB to buy and sell cryptocurrency at competitive exchange rates and with high maximums for verified accounts.
Huobi Cryptocurrency Exchange
AdvCash, Cryptocurrency, SWIFT, Wire transfer
GBP, USD, AUD, EUR, INR, BRL, KHR, CAD,CNY, NZD & 15+ more

228
cryptocurrencies

Huobi is a digital currency exchange that allows its users to trade more than 190 cryptocurrency pairs.
Bithumb Cryptocurrency Exchange
Cryptocurrency
KRW

193
cryptocurrencies

A global platform where users can make KRW and cryptocurrency deposits to purchase up to 15 popular cryptocurrencies.
Coinbase Pro
Bank transfer, Cryptocurrency, Debit card, PayPal, Wire transfer
USD, EUR, GBP

80
cryptocurrencies

Formerly known as GDAX, Coinbase Pro is a US-based exchange which offers fiat currency payment options, including wire transfer, ACH bank transfer and SEPA.
Bitstamp Cryptocurrency Exchange
Bank transfer, Cryptocurrency, Credit or Debit Card, SEPA, Faster Payments (FPS)
USD, EUR, GBP

35
cryptocurrencies

A global cryptocurrency exchange that facilitates crypto to fiat transactions, where you can use EUR or USD to buy bitcoin and popular altcoins.
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Compare up to 4 providers

Differences between Ripple and Stellar

1. Philosophy

As we touched on above, Ripple and Stellar are built on separate philosophies and are focused on different target markets. Ripple is a privately owned blockchain company that provides its services to other companies. It allows multinational companies and banks to quickly make cost-effective international transfers and currency conversions, plus access a range of extra features.

Meanwhile, Stellar allows individuals to make more cost-effective money transfers and currency transfers. Stellar itself is a nonprofit organization with the goal of enabling a more inclusive global payment system.

2 .Technology

Once upon a time, Ripple and Stellar shared a large amount of code. However, the two systems are now based on different codes.

Ripple’s payment protocol uses a proof-of-correctness consensus mechanism based on majority validation. The mechanism is applied every few seconds by all nodes to maintain the agreement of the network.

Meanwhile, Stellar’s payment protocol, Stellar Core, is based on the Stellar Consensus Protocol algorithm. This uses a consensus model called Federated Byzantine Agreement and, according to Stellar, provides a method of reaching consensus without relying on a closed system to accurately record financial transactions.

3. Future supply

The maximum supply of XRP is capped at 100 billion. The initial supply of Lumens was also 100 billion, but that’s where the similarities end.

To protect the XRP Ledger against spam and denial-of-service attacks, a small amount of XRP is destroyed in each transaction. This transaction cost means that the total supply of XRP will decrease over time.

On the other hand, XLM is designed to be inflationary, with a fixed inflation rate of 1% per year and all transaction fees recycled.

4. Decentralization

Decentralization is commonly cited as one of the core principles of cryptocurrency, but Ripple is widely considered to be a more centralized network than Stellar. Ripple has received plenty of criticism in this regard, much of which stems from an incident in 2015 when the funds of recently departed Ripple founder Jed McCaleb were frozen.

This raised questions about the level of control Ripple has over its network. However, Ripple CEO Brad Garlinghouse was quick to respond, using Quora to refute suggestions that Ripple is overly centralized. He posted: “Ripple is not centralized. To be clear, if Ripple disappeared today XRP would continue to function. To me, that’s the most important measure of whether something is decentralized.”

Pros and cons of Ripple and Stellar

Ripple

Stellar

  • Current cross-border payment methods are outdated, slow and expensive. Ripple has dedicated itself to transforming international payments, and it’s certainly made a promising start. With an impressive list of partners, solid financial backing and a network that offers big advantages over current systems, Ripple could potentially be a big success story.
  • There’s a lot to like about Stellar’s plan to deliver low-cost financial services to the world. Its network offers several key benefits over existing payment systems, while the fact that Stellar also acts as a decentralized exchange and ICO platform introduces added functionality. And while it may not enjoy the same level of corporate backing as Ripple, Stellar has secured some impressive partnerships of its own.
  • The biggest challenge facing Ripple in the future will be whether or not it can achieve widespread adoption by the world’s banks, financial institutions and major corporations. Not only will it face stiff competition from established players like SWIFT and Visa, but also from banks developing their own private blockchains.
  • Stellar’s achievements are always going to be compared to those of Ripple and, for the moment at least, Ripple is clearly the bigger of the two. Another key stumbling block could also be Stellar’s altruistic philosophy, which could potentially stop Stellar reaching the same lofty heights as other initiatives purely focused on profit.

Prices: XRP vs Stellar Lumens

XRP

Stellar

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Which is the better holding?

When deciding which cryptocurrency to hold, you will need to take into account a number of considerations.

For example, both XRP and Stellar saw dramatic price increases at the end of 2017, and their values have tended to mirror each other. This may suggest that many people are holding both rather than picking just one or the other.

Another consideration is the fact that XRP has partnered with a lot of high-profile banks, so there’s a lot of money behind it.

On the other hand, you will also need to take into account the possibility of Stellar getting enough users and anchors that it could feasibly let people exchange currencies seamlessly and much cheaper than with XRP.

Also, technology has increasingly moved towards decentralization, and you will need to decide if Stellar is ahead of XRP in that respect and if it matters.

Ripple vs Stellar: the bottom line

Though they’re cut from the same cloth in some ways, Ripple and Stellar are far from identical. With a focus on very different target markets and with a key variation in the underlying philosophy behind each project, trying to frame this as an argument between two competitors battling for supremacy is overly simplistic.

If you’re considering purchasing XRP, that doesn’t mean you shouldn’t also consider buying XLM – and vice versa. Of course, you may also decide that neither project is worth buying into.

Both Ripple and Stellar have their own strengths and weaknesses, so thoroughly research each currency before deciding if either is well placed to achieve success.


Images: Shutterstock


Disclaimer: Cryptocurrencies are speculative, complex and involve significant risks – they are highly volatile and sensitive to secondary activity. Performance is unpredictable and past performance is no guarantee of future performance. Consider your own circumstances, and obtain your own advice, before relying on this information. You should also verify the nature of any product or service (including its legal status and relevant regulatory requirements) and consult the relevant Regulators' websites before making any decision. Finder, or the author, may have holdings in the cryptocurrencies discussed.

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