Stellar (XLM) and XRP (XRP): a comparison
Stellar and XRP set side by side: how the quotes moved, how the protocols are built and what tasks each one was made for.
Specifications of XLM and XRP
| Stellar (XLM) | XRP (XRP) | |
|---|---|---|
| Price | $0.14928 | $1.10 |
| Ticker | XLM | XRP |
| Type | coin of its own network | coin of its own network |
| Launched | 2014 | 2012 |
| Built by | Jed McCaleb, Joyce Kim | Ripple Labs |
| Consensus | Stellar Consensus Protocol | XRP Ledger Consensus Protocol |
| Block | ~5 sec | ~4 sec |
| Supply cap | 50 B XLM | 100 B XRP |
| Privacy | transfers are public | transfers are public |
| In circulation | 35.37 B XLM | 63.52 B XRP |
| Market cap | $5.28 B | $69.76 B |
| Rank by cap | #19 | #6 |
Source: CoinGecko, Nov 10, 2026 12:57. How these numbers are counted
Price movement: XLM and XRP
The start of the period is taken as 100 for both prices: the chart shows the difference in movement, not the quotes themselves.
| Period | XLM | XRP |
|---|---|---|
| 7 days | −9.54% | −11.98% |
| 30 days | −25.06% | −21.56% |
| 90 days | −9.05% | +7.57% |
The link between their daily moves over the quarter is 0.62 (they travel alike).
The tasks XLM and XRP were made for
- Transfers and paymentsStellar and XRP
How Stellar and XRP are built
How Stellar works
At the core is the Stellar Consensus Protocol: trusted validators confirm transactions within seconds, and there is no mining. Fiat currencies in tokenised form are issued by anchors — banks and payment companies.
What Stellar is for
Lumens pay the network fees; besides that, XLM is used in international money transfers, micropayments and conversion between assets issued inside Stellar.
How XRP works
There is no mining here — validators agree on the order of transactions through a consensus protocol, and a new version of the ledger is closed every 3 to 5 seconds. All 100 billion XRP were issued at once, at the start. An account must always hold a small base reserve in XRP: without it there is simply no account in the ledger.
What XRP is for
XRP is put to work for cross-border settlement, as an intermediate (bridge) currency between fiat currencies and for quickly moving funds between exchanges.