𝙓𝙍𝙋 𝙑𝙎 𝙓𝙇𝙈 : 𝘼 𝙆𝙀𝙔 𝘾𝙊𝙈𝙋𝘼𝙍𝙄𝙎𝙊𝙉

$XRP (Ripple): Optimized for high-volume financial transactions between banks and institutions.

$XLM (Stellar): Focuses on serving individuals and small businesses, particularly in underserved regions.

XRP: Collaborates with prominent financial institutions like Santander and Bank of America.

XLM: Partners with IBM and non-profits to bridge traditional and digital financial systems.

XRP: Utilizes the XRP Ledger for fast and cost-effective settlements.

XLM: Operates on the Stellar network, enabling seamless transfers between currencies.

XRP: Transactions incur minimal fees, amounting to a fraction of a cent.

XLM: Near-zero fees (0.00001 XLM per transaction), ideal for micro-payments.

Both: Process transactions rapidly, within 3-5 seconds.

XRP: Capped at 100 billion tokens, non-mineable.

XLM: Capped at 50 billion tokens, non-mineable.

XRP: Faces criticism for perceived centralization due to Ripple Labs' control.

XLM: Maintains a more decentralized approach, driven by an open and non-profit philosophy.

XRP: Designed for large-scale institutional transfers.

XLM: Tailored for small-scale, cross-border transactions and remittances.

Ultimately, the choice between XRP and XLM depends on your priorities: institutional scale or individual accessibility.

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