With the likelihood of an impending financial crisis, it is strategic to focus on assets that are independent of centralized systems. Unlike XRP, which relies heavily on banks and could be significantly impacted by banking instability, Stellar (XLM) offers a more resilient alternative. Its technology supports decentralized transfers and financial inclusion without direct ties to traditional banking institutions. This positions XLM for substantial growth during times of crisis when investors seek independent and reliable solutions. Investing in XLM could therefore be a wiser and potentially more profitable choice in an uncertain economic environment.