$XRP and XLM are both cryptocurrencies, but they serve different purposes:

- **$XRP **: Created by Ripple Labs, XRP is designed to facilitate fast and low-cost cross-border payments. Its primary use is in the financial industry to enhance transaction efficiency between different currencies and financial institutions.

- **$XLM **: Developed by the Stellar Development Foundation, XLM (Stellar Lumens) aims to improve cross-border transactions for individuals and institutions by providing a more accessible and inclusive financial infrastructure. It focuses on connecting banks, payment systems, and people in developing countries.

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