How is Stellar different from XRP?

Stellar is more focused on individuals and small institutions, while XRP/Ripple targets large banks. The two networks share a co-founder but operate independently.

Stellar Lumens (XLM)

Open network for storing and moving money.

Open in screener

Category: Payments · Layer 1
Launched: 2014
Founders: Jed McCaleb, Joyce Kim
Consensus: Stellar Consensus Protocol

About Stellar Lumens

Stellar is an open-source payment network designed to make it cheap and fast to send any kind of currency across borders. XLM (lumens) is the native asset.

Stellar focuses on financial inclusion, with partnerships in regions where traditional banking infrastructure is limited.

What is XLM used for?

Cross-border payments
Stablecoin issuance (USDC on Stellar)
Tokenized fiat on/off-ramps

Stellar Lumens FAQ

How is Stellar different from XRP?: Stellar is more focused on individuals and small institutions, while XRP/Ripple targets large banks. The two networks share a co-founder but operate independently.

Disclaimer: The content on this page is for educational purposes only and does not constitute financial advice. Cryptocurrency markets are volatile. Always do your own research and never invest more than you can afford to lose. See our methodology for details on how we generate analysis.