$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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