Stellar may be better suited than XRP in the event of future banking issues

If significant banking problems occur in the future, Stellar could offer several advantages over XRP, particularly due to its accessibility to the unbanked, its decentralized resilience, its flexibility in using stablecoins, and its focus on financial inclusion. Stellar is more independent of traditional financial institutions, making it potentially more robust in the face of economic disruptions.

XRP, although highly effective for cross-border payments between financial institutions, could be more vulnerable in a situation where banks face difficulties, as it is heavily integrated into traditional banking infrastructure.

Therefore, if the future brings major disruptions to the banking sector, Stellar could prove to be a better alternative for ensuring the stability of global payments.