Stellar vs Monero

General

Description

Stellar Logo
Stellar
 (XLM)

Stellar is a decentralized payment network used by both businesses (e.g., financial service providers) and individuals to process cross-border payments quickly, cheaply, and efficiently across different currency zones. Thanks to its built-in “Asset Exchange,” assets such as currencies can be seamlessly exchanged with one another.

What is Stellar?
Monero Logo
Monero
 (XMR)

Monero is a decentralized cryptocurrency designed for private and difficult-to-trace payments. Unlike most public blockchains, the sender, recipient and amount of every transaction are concealed by default. This protects users’ financial privacy and prevents individual XMR from being treated differently based on their transaction history.

What is Monero?
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Purpose and goals

Stellar Logo
Stellar
 (XLM)
  • Efficient cross-border payments
  • Payment network for financial service providers
  • Integrated asset exchange
Monero Logo
Monero
 (XMR)
  • Digital currency
  • Private and censorship-resistant payments
  • Decentralized mining on standard hardware
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Price and market data

Chart

Stellar
 (XLM)

$0.1678

-3.5%
Monero
 (XMR)

$353.62

+1.6%
Market data
StellarMonero
All-time high
$0.8756
Jan 02, 2018
-80.8%
$797.73
Jan 14, 2026
-55.7%
Crypto all-time highs
Market cap
$5.76B
$6.64B
Market share
0.25%
0.29%
Transaction volume (24h)
$134.46M
+33.4%
$84.92M
+20.5%
Exchange rate

1 XLM = $0.1678

1 XMR = $353.62

XLM converterXMR converter
Prediction for 2026
Powered by AI
$0.2231
+33.0%
$468.72
+32.0%
XLM predictionXMR prediction
Price trend
Positive
(15/30 days)
Positive
(17/30 days)
Momentum
Positive
NegativePositive
Positive
Positive
NegativePositive
Positive
Relative Strength Index
Neutral
BuySell
Neutral (37.12)
Neutral
BuySell
Neutral (54.1)
News sentiment
Positive
NegativePositive
Positive (100/100)

Last 3 months

Neutral
NegativePositive
Neutral (43/100)

Last 12 months

XLM newsXMR news
Price performance
--1.2%
--2.2%
Price performance
--3.5%
++1.6%
Price performance
--17.1%
++10.8%
Price performance
--59.0%
++19.5%
Annual return
--19.9%
--20.0%
Annual return
--36.5%
++130.0%
Annual return
++149.9%
++15.1%
XLM returnsXMR returns
Average annual return
++1,046.0%
++397.4%
Max supply
Circulating supply
34.29B
18.79M
Inflation
9.75%
Year
1.85%
Year
Crypto inflation

On-chain data

StellarMonero
Total Value Locked (TVL)
$217.35M
What is Total Value Locked?
Market cap/TVL (ratio)
26.48
Transactions (24h)
3.96M
28,814
Active addresses (24h)
131,193

Our rating

Our rating
StellarMonero
Our overall rating
Stellar
Monero
How we evaluate cryptocurrencies

Our individual ratings

Risk
Stellar: 2 of 10
Risk (Stellar)
Monero: 5 of 10
Risk (Monero)
Stellar Logo
Monero Logo
riskyless risky
Community
Stellar: 4 of 10
Community (Stellar)
Monero: 7 of 10
Community (Monero)
Stellar Logo
Monero Logo
smalllarge
Hype & momentum
Stellar: 2 of 10
Hype & momentum (Stellar)
Monero: 6 of 10
Hype & momentum (Monero)
Stellar Logo
Monero Logo
weakstrong
Active usage
Stellar: 2 of 10
Active usage (Stellar)
Monero: 7 of 10
Active usage (Monero)
Stellar Logo
Monero Logo
lowhigh
Network effect
Stellar: 1 of 10
Network effect (Stellar)
Monero: 6 of 10
Network effect (Monero)
Stellar Logo
Monero Logo
weakstrong
Decentralization
Stellar: 4 of 10
Decentralization (Stellar)
Monero: 7 of 10
Decentralization (Monero)
Stellar Logo
Monero Logo
centralizeddecentralized

Our opinion

Stellar Logo
Stellar
 (XLM)
The open-source Stellar network shares similarities with Ripple (XRP) both in its target audience and technology: neither uses a traditional blockchain to manage their decentralized networks, and both aim to make cross-border payments more efficient. This similarity is no coincidence, as Jed McCaleb, one of Stellar’s co-founders, previously worked at Ripple (XRP). Cross-border payment flows present significant challenges for many financial institutions, often being costly and slow. Stellar addresses similar issues as Ripple but takes a more open approach by serving both businesses and individuals. The Stellar network is already used by notable payment providers such as Stripe, MoneyGram, and Circle. We find Stellar very interesting but feel the market in this segment is too uncertain to form a definitive judgment.
What is Stellar?
Monero Logo
Monero
 (XMR)
Monero is the most uncompromising major crypto project focused on private payments. Unlike Bitcoin or Ethereum, it conceals the sender, recipient and amount by default, strengthening fungibility and censorship resistance. Its real-world use for legitimate private payments and on darknet marketplaces demonstrates genuine demand, while also explaining the intense regulatory pressure. Monero also benefits from its long track record, fair launch without an ICO or pre-mine, and independent open-source development. At the same time, exchange delistings restrict access, liquidity and institutional adoption. Monero does not guarantee complete anonymity either, as exchange data, IP addresses or compromised devices may still reveal information about users. Overall, we view Monero as the strongest project for private digital money, although regulatory risks are likely to limit its long-term growth.
What is Monero?
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Key data

Key data
StellarMonero
Sector
Currency
Privacy
Key feature
Payment Network
Private transactions by default
Founder
Jed McCaleb, Joyce Kim
thankful_for_today (pseudonym)
Developer
Stellar Development Foundation
Monero Project (open source)
Published
2014
2014
Institutional investors
  • Stripe
  • Galaxy Digital
  • ValueNet Capital
  • Astronaut Capital
  • Parallax Digital
  • Myriad Capital Management
  • etc.
Social media
848,316 followers
530,292 followers
Website
www.stellar.org
www.getmonero.org
Whitepaper
Whitepaper
Whitepaper

Technical details

Technical details
StellarMonero
Blockchain
Monero Blockchain
Consensus mechanism
Stellar Consensus Protocol (SCP)
Proof of Work (RandomX)
Staking
No
No
Open source
Yes
Yes
Energy consumption
Low
High
Transactions per second
3,000 TPS
90 TPS
Stellar vs Monero

Stellar or Monero

Market data comparison of XLM versus XMR

The current price of Stellar is $0.1678 and has decreased by 1.2% in the last 24 hours. Monero is currently trading at $353.62, with a drop of 2.2% over the same period. Stellar has a market cap of $5.76B and ranks 20th. Monero follows with a market cap of $6.64B, ranking 17th — meaning it is valued higher.

We automatically update all market data every 15 minutes, so you always have the latest figures for your comparison.

Should I buy Stellar or Monero?

You should be aware that investing in cryptocurrencies carries risks, and we are neither allowed nor intending to provide investment advice. Still, we'd like to offer some food for thought: consider the opportunities and risks associated with both Stellar and Monero. What target markets and problems are these two projects aiming to address?

If you're still unsure whether to invest in Stellar or Monero, you can take a look at some additional market data to help with your decision:

Currently, Stellar is about -80.8% below it's all-time high of $0.8756 reached Jan 02, 2018.
In comparison, Monero is down approximately -55.7% from it's all-time high of $797.73 Jan 14, 2026.
Stellar currently has a 58.3% higher 24h transaction volume of $134.46M compared to Monero with $84.92M.
Over the past year, Stellar achieved a total return of -59.0%, while Monero returned +19.5%. Keep in mind, however, that past performance rarely guarantees future results.

Additional criteria for comparing cryptocurrencies:

  • What problem does the project aim to solve, and is a decentralized network meaningful and necessary for it?
  • How actively is the network being used?
  • Does the project have a large and active community?
  • How strong is the development activity? (e.g., on GitHub)
  • How decentralized is the underlying blockchain and the project itself?

How we evaluate cryptocurrencies

These are just a few indicators you can use to better evaluate and compare cryptocurrencies like Stellar and Monero. Cryptocurrencies and their underlying technologies are often difficult to compare — even for professionals. So don’t stress yourself out, and never let emotions or fear of missing out drive your investment decisions.

Where can I buy Stellar or Monero?

Today, there are many reputable and secure exchanges that make it easy to invest in Stellar and Monero. We're happy to help you choose the right one: simply use our exchange comparison tool to find the platform that best suits your needs. Both Stellar and Monero are well-known and in high demand, which means they're available on most major exchanges.

Crypto exchanges comparison

Which crypto wallet is best for Stellar and Monero?

If you want to store cryptocurrencies like Stellar or Monero yourself, choosing the right wallet is essential. Consider your personal preferences when deciding: Is ease of use important to you? Do you prefer maximum security with a hardware wallet (USB device), or is a software wallet sufficient for your needs? Our crypto wallet comparison helps you find the best wallet for Stellar, Monero, and many other cryptocurrencies.

Crypto wallets comparison