XRP vs Stellar

General

Description

XRP Logo
XRP
 (XRP)

XRP is the cryptocurrency of the RippleNet payment network, developed by the company Ripple. Ripple focuses primarily on financial institutions such as banks and payment service providers. Its goal is to make cross-border payments across different currency zones more cost-effective and efficient.

XRP overview
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.

Stellar overview

Purpose and goals

XRP Logo
XRP
 (XRP)
  • Payment network for financial institutions
  • Efficient cross-border payments
  • Liquidity for network participants
Stellar Logo
Stellar
 (XLM)
  • Efficient cross-border payments
  • Payment network for financial service providers
  • Integrated asset exchange

Price and market data

Price chart

XRP
 (XRP)

$3.11

-5.42%
Stellar
 (XLM)

$0.424

-6.73%
Market data
XRPStellar
Market cap
$184.6B
$13.28B
Market share
4.56%
0.33%
Current price

$3.11

+$0.014+0.45%

$0.42

-$0.0014-0.33%
XRP converterXLM converter
All-time high
$3.65
Jul 18, 2025-14.70%
$0.88
Jan 03, 2018-51.49%
Crypto all-time highs
Cycle low
$0.11
+2,641.71%Mar 13, 2020
$0.028
+1,436.66%Mar 13, 2020
Prediction for 2025
Powered by AI
$6.65
+113.80%
$0.56
+32.56%
XRP predictionXLM prediction
Relative Strength Index
Neutral
BuySell
Neutral (50.78)
Neutral
BuySell
Neutral (53.24)
Price trend
Negative
(17/30 days)
Positive
(16/30 days)
Price performance
+455.05%
+350.25%
Price performance
-1.89%
+1.92%
Price performance
-4.86%
-11.12%
Price performance
-5.42%
-6.73%
Price performance
+0.45%
-0.33%
Price performance
-0.40%
-0.57%
Annual return
+49.64%
+29.69%
Annual return
+231.10%
+149.95%
Annual return
+79.90%
+83.06%
XRP returnsXLM returns
Total return
+52,291.16%
2013 – 2025
+16,047.95%
2014 – 2025
Average annual return
+2,632.17%
+1,140.33%
Transaction volume
$6.18B
24h
$445.83M
24h
Max supply
100B
50B
Circulating supply
59.42B
31.3B
Inflation
7.19%
Year
8.03%
Year
Crypto inflation

On-chain data

Market data
XRPStellar
Total Value Locked (TVL)
$149.36M
What is Total Value Locked?
Market cap/TVL (ratio)
88.94
Transactions (avg./day)
888,513
Active addresses (24h)
41,609

Our rating

Our rating
XRPStellar
Our overall rating
XRP
Stellar
How we evaluate cryptocurrencies

Our individual ratings

Risk
XRP: 1 of 10
Risk (XRP)
Stellar: 2 of 10
Risk (Stellar)
XRP Logo
Stellar Logo
riskyless risky
Community
XRP: 6 of 10
Community (XRP)
Stellar: 4 of 10
Community (Stellar)
XRP Logo
Stellar Logo
smalllarge
Hype & momentum
XRP: 2 of 10
Hype & momentum (XRP)
Stellar: 2 of 10
Hype & momentum (Stellar)
XRP Logo
Stellar Logo
weakstrong
Active usage
XRP: 3 of 10
Active usage (XRP)
Stellar: 2 of 10
Active usage (Stellar)
XRP Logo
Stellar Logo
lowhigh
Network effect
XRP: 1 of 10
Network effect (XRP)
Stellar: 1 of 10
Network effect (Stellar)
XRP Logo
Stellar Logo
weakstrong
Decentralization
XRP: 1 of 10
Decentralization (XRP)
Stellar: 4 of 10
Decentralization (Stellar)
XRP Logo
Stellar Logo
centralizeddecentralized

Our opinion

XRP Logo
XRP
 (XRP)
Ripple is a solid company with a clear vision for cross-border payments and has already secured numerous financial partners. Following the largely favorable SEC ruling in 2023, regulatory uncertainty in the U.S. has largely been resolved, and XRP is now actively used in ODL flows, giving it a proven real-world use case. However, several structural issues remain: Ripple's massive token holdings create ongoing selling pressure and raise concerns about centralization, while many RippleNet partners use the technology without XRP, which calls into question whether the token is truly essential in the long run. Additionally, the rise of central bank digital currencies (CBDCs) could eventually make XRP's role as a bridge asset obsolete. While the technology works and has carved out its niche, XRP's price performance appears to be driven more by speculation than by underlying demand.
XRP overview
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.
Stellar overview

Details

Info
XRPStellar
Founder
Ryan Fugger, Chris Larsen, Jed McCaleb
Jed McCaleb, Joyce Kim
Developer
Ripple Labs
Stellar Development Foundation
Published
2012
2014
Open source
Yes
Yes
Sector
Currency
Currency
Key feature
Payment Network
Payment Network
Blockchain
XRP Ledger
Staking
No
No
Consensus mechanism
Ripple Consensus Algorithm
Stellar Consensus Protocol (SCP)
Energy consumption
Low
Low
Transactions per second
1,500 TPS
3,000 TPS
Institutional investors
  • Andreessen Horowitz
  • Arrington XRP Capital
  • Astronaut Capital
  • Pantera Capital
  • Blockchain Capital
  • ValueNet Capital
  • etc.
  • Stripe
  • Galaxy Digital
  • ValueNet Capital
  • Astronaut Capital
  • Parallax Digital
  • Myriad Capital Management
  • etc.
Community
3.13M followers
826,954 followers
Website
xrpl.org
www.stellar.org
Whitepaper
Whitepaper
Whitepaper
XRP vs Stellar

XRP or Stellar

Market data comparison of XRP versus XLM

The current price of XRP is $3.11 and has increased by in the last 24 hours. Stellar is currently trading at $0.42, with a drop of over the same period. XRP has a market cap of $184.6B and ranks 3rd. Stellar follows with a market cap of $13.28B, ranking 17th — meaning it is valued lower.

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

Should I buy XRP or Stellar?

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 XRP and Stellar. What target markets and problems are these two projects aiming to address?

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

Currently, XRP is about below it's all-time high of $3.65 reached on Jul 18, 2025.
In comparison, Stellar is down approximately from it's all-time high of $0.88 on Jan 03, 2018.
XRP currently has a 1,286.32% higher 24h transaction volume of $6.18B compared to Stellar with $445.83M.
Over the past year, XRP achieved a total return of , while Stellar returned . 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 XRP and Stellar. 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 XRP or Stellar?

Today, there are many reputable and secure exchanges that make it easy to invest in XRP and Stellar. 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 XRP and Stellar 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 XRP and Stellar?

If you want to store cryptocurrencies like XRP or Stellar 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 XRP, Stellar, and many other cryptocurrencies.

Crypto wallets comparison

How does our comparison work?

Data & Interfaces

Our market data is automatically updated every 15 minutes. This means you can always use the latest data for your comparisons. We obtain the data through web interfaces (API) from CoinGecko, Santiment, DefiLlama, CoinCodex and many more

Research & Deepdive

We regularly sift through a jungle of technical whitepapers, websites, social media and forums for you. In doing so, we filter out essential and relevant information in order to present it to you clearly and comprehensibly in our comparison

Analysis & Valuation

We research and use analysis tools for blockchains and their networks, to form a fact-based foundation for our valuation. Please note that this is not an investment recommendation, but merely our personal opinion.

Community & Feedback

We check our information every 1-2 months to ensure it is up to date and correct. With the help of our community, we can find outdated or incorrect data even faster. Of course, we also welcome your feedback or suggestions for improvement!

Our data on cryptocurrencies was last updated on 2025-08-16T14:20:24.90543+00:00. Sources: CoinGecko, santiment.net, defillama.com, coincodex.com.

The content on this website is provided for general informational purposes only and does not constitute financial, investment, legal, or tax advice. It should not be interpreted as a guarantee of future price developments or as an invitation to act. All visitors are responsible for independently verifying any information before using a listed service. Trading cryptocurrencies involves significant risk and may result in the total loss of your invested capital. Past performance is not indicative of future results. We do not assume any liability for the timeliness, accuracy, or completeness of the information provided, including third-party content. Some of the links on this website are affiliate links. If you purchase a product or service through one of these links, we may receive a commission — at no additional cost to you. All actions are taken at your own risk.