🔹 Purpose
XRP (Ripple): Designed to optimize financial transfers between banks and large institutions.
XLM (Stellar): Geared towards serving individuals and small businesses, especially in underserved regions.
🔹 Key Partnerships
XRP: Collaborates with global financial giants like Santander and Bank of America.
XLM: Partners with IBM and non-profits to bridge traditional and digital financial systems.
🔹 Technology
XRP: Utilizes the XRP Ledger for fast, cost-effective settlements.
XLM: Operates on the Stellar network for seamless transfers between currencies.
🔹 Fees
XRP: Transactions cost a fraction of a cent.
XLM: Near-zero fees (0.00001 XLM per transaction), ideal for micro-payments.
🔹 Transaction Speed
Both: Process transactions in just 3-5 seconds.
🔹 Supply
XRP: Capped at 100 billion tokens, non-mineable.
XLM: Capped at 50 billion tokens, non-mineable.
🔹 Decentralization
XRP: Criticized for perceived centralization due to Ripple Labs’ control.
XLM: More decentralized with an open, non-profit-driven approach.
🔹 Core Use Cases
XRP: Designed for large-scale institutional transfers.
XLM: Tailored for small-scale, cross-border transactions and remittances.
Which one suits your needs depends on whether you’re prioritizing institutional scale or individual accessibility.
