🔍 $XRP $XLM : Cryptocurrencies with shared DNA
Both networks — Stellar (XLM) and Ripple (XRP) — have roots in the same creator: Jed McCaleb, one of the most influential names in the history of cryptocurrencies. He was a co-founder of Ripple Labs, where he participated in the development of XRP in 2012. After disagreements about the direction of the project, McCaleb left Ripple and founded the Stellar Development Foundation in 2014, launching XLM with a different vision.
While XRP was created with a focus on solutions for financial institutions, such as banks and large corporations, XLM was born with the purpose of promoting financial inclusion, facilitating accessible transactions for everyday people anywhere in the world.
Both cryptocurrencies share similar technical characteristics, such as fast transactions, low fees, and consensus mechanisms alternative to traditional mining. However, their philosophies diverge: Ripple operates as a for-profit private company, while Stellar is managed by a non-profit foundation focused on social impact.
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This common origin explains why the two assets are often compared — but it also highlights how the same foundation can generate completely different views for the future of digital finance.