XRP vs XLM — Side by Side
| Feature | XRP | XLM |
|---|---|---|
| Category | Layer 1 | Layer 1 |
| Consensus | Ripple Protocol Consensus Algorithm | Stellar Consensus Protocol |
| Launched | 2012 | 2014 |
| Founder | Chris Larsen | Jed McCaleb |
When to Use Each
XRP
- +3–5 second settlement finality with fees under $0.001 — purpose-built for payments
- +On-Demand Liquidity (ODL) already deployed with partner banks in 50+ corridors worldwide
- +Favorable US court ruling (July 2023) — XRP retail sales not deemed securities
XLM
- +3–5 second settlement with fees under $0.0001 — practical for remittance at any transaction size
- +Built-in DEX with path payments — atomic multi-hop currency conversion in a single transaction
- +MoneyGram partnership enables cash in/out at 350,000+ locations in 200+ countries