rippleVSstellar

Ripple (XRP) vs Stellar Lumens (XLM)

¿Deberías comprar Ripple o Stellar?

Ripple fue creada para resolver los problemas de los pagos internacionales, trayendo costos más bajos y transferencias más rápidas. Después Stellar fue creada para resolver los problemas de Ripple.

Descubre cuál es la diferencia entre ambos proyectos de criptomoneda, cómo funcionan y qué considerar antes de comprar alguna de ellas (o las dos).

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. 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.

Aprende más Dónde comprar

Ripple vs Stellar: Cómo funcionan

Stellar inicialmente estaba basada en el sistema de Ripple, con el objetivo de rediseñar la economía global para una mayor inclusión. Pero citando la complejidad del sistema, Stellar más tarde se rediseñó con un nuevo sistema propio.

Ambas facilitan pagos internacionales pero lo hacen de dos formas completamente distintas.

Cómo funciona Ripple

Los bancos y las corporaciones multinacionales usan Ripple para realizar pagos internacionales. Esto se hace transfiriendo el token XRP a través de la red Ripple. El resultado final es liquidez bajo demanda.

Cómo funciona Stellar

Stellar permite a las personas intercambiar dinero directamente entre sí, utilizando Lumens (XLM) como medio y “anclajes” para manejar los aspectos relacionados con las monedas fiduciarias.

Por ejemplo

Digamos que Juan quiere enviar dinero desde una cuenta bancaria mexicana a una cuenta bancaria alemana, convirtiendo sus pesos a euros en el proceso. Él quiere hacerlo con las mejores tarifas posibles.

Con transferencias de dinero tradicionales

El dinero pasará por varios bancos en el camino. Generalmente se convertirá de MXN a USD a Euro durante el proceso. Toda la transferencia toma de 3 a 5 días, genera tarifas con cada banco y se pierde dinero de Juan con todas las tasas de cambio involucradas.

Con Ripple

Juan podría simplemente comprar tokens Ripple y enviarlos a una dirección de cartera en el extranjero, pero él no quiere hacerlo. Afortunadamente, su banco usa Ripple.

Él hace una transferencia de dinero como de costumbre. Su banco envía Ripple directamente al banco de la cuenta del destinatario. El pago se realiza con los tipos de cambio y tarifas que el banco elija cobrar por este servicio.

Si Juan tiene suerte, habrá ahorrado algo en pérdidas de tarifas y tipos de cambio.

Con Stellar

Juan se registra en la plataforma Stellar y envía dinero a través de ella. Hace la transferencia automáticamente.

Primero convierte MXN a euros, y luego utiliza un ancla para transferir los euros a la cuenta del destinatario.

Un ancla es un socio de Stellar a quien se le confía la transferencia de los fondos. Usualmente son compañías de transferencia de dinero. Juan puede escoger su propia ancla y utilizarla.

Existen diferentes maneras en las que los MXN de Juan podrían ser convertidos a euros:

  • Persona a persona: Busca a personas que quieran intercambiar euros por pesos mexicanos y escoge los mejores precios
  • Vía XLM: Los Lumens (XLM) son usados para llenar los espacios, o arreglar la transferencia entera si es necesario. Por ejemplo, la plataforma Stellar podría vender Lumens por euros a través de una orden existente en el exchange oficial de Stellar.
  • Cadena de conversiones: La plataforma puede realizar automáticamente una cadena de conversiones, como MXN > CAD > CNY > USD > EUR si es necesario.

Entre estas opciones, llevadas a cabo automáticamente, y con XLM para llenar los huecos y preparar las transacciones; los usuarios pueden hacer transferencias de dinero eficientes persona a persona, o simplemente convertir monedas para sus propios fines.

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¿Es mejor Ripple o Stellar?

Ninguna de las dos es inherentemente mejor o peor que la otra y, a pesar de tener las mismas funciones, cada una fue creada para diferentes propósitos.

  • Ripple es para… que las empresas multinacionales y los bancos puedan realizar rápidamente transferencias internacionales y conversiones de divisas rentables, además de acceder a una gama de características adicionales. Ripple es una empresa de cadena de bloques de propiedad privada que ofrece sus servicios a otras compañías.
  • Stellar es para… Individuos que desean hacer transferencias de dinero y transferencias monetarias más rentables. Stellar en sí es una organización sin fines de lucro con el objetivo de permitir un sistema de pago global más inclusivo.

Precios: Ripple vs Stellar Lumens

Ripple

1
0
Updated: 09 Apr 2020 00:36:31 UTC

Stellar

1
0
Updated: 09 Apr 2020 00:36:31 UTC

¿En cuál vale más la pena usar mi dinero?

Tanto Ripple como Stellar tuvieron aumentos dramáticos de precios a fines de 2017, y sus valores han tendido a reflejarse mutuamente.

Esto sugiere que muchas personas están invirtiendo en ambas en lugar de elegir sólo una u otra.

A corto plazo, parece probable que Ripple tenga un crecimiento más rápido. Se asoció con una gran cantidad de bancos de alto perfil, por lo que hay mucho dinero detrás. También ofrece una gama de características que Stellar no puede igualar, como la funcionalidad de contratos inteligentes.

Pero a la larga, Stellar podría convertirse en la plataforma más utilizada. Con suficientes usuarios y anclajes, podría permitir a las personas intercambiar monedas sin problemas, y a un costo mucho más bajo que con Ripple.

La tecnología se ha movido cada vez más hacia lo descentralizado, y es muy posible que Stellar esté un paso por delante de Ripple en ese sentido.

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