Both XRP and XLM are blockchain-based digital assets focused on cross-border payments and remittances. > XRP is the native cryptocurrency of the Ripple network, while XLM is the native token of the Stellar network. >Both networks aim to facilitate fast, low-cost international money transfers, targeting banks and financial institutions. >Stellar was originally founded by Jed McCaleb, who was also a co-founder of Ripple — linking the two projects historically. >Despite their common origins, Ripple (XRP) and Stellar (XLM) have different visions: >Ripple focuses heavily on partnerships with banks and payment providers. >Stellar emphasizes financial inclusion and access for unbanked populations and individuals. >XLM often competes with XRP for use cases in remittances, cross-border payments, and tokenized assets. > Technologically, Stellar uses a Federated Byzantine Agreement consensus, while Ripple uses a consensus protocol based on trusted validators. > The two projects sometimes collaborate indirectly as part of the broader blockchain ecosystem, but they operate independently. > XLM has positioned itself as a more decentralized, open network compared to Ripple, which has faced regulatory scrutiny over XRP’s classification. > Both XRP and XLM are frequently compared by investors and enthusiasts as competing solutions for efficient global payments.#XLM #xrp #TrumpVsMusk #MarketPullback #CircleIPO