Stellar (XLM) against XRP (XRP)
Stellar and XRP next to each other: how the prices travelled, what differs under the hood and what each coin is built for.
XLM and XRP: what is under the hood
| Stellar (XLM) | XRP (XRP) | |
|---|---|---|
| Price | $0.185974 | $1.31 |
| 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 | 34.85 B XLM | 62.88 B XRP |
| Market cap | $6.48 B | $82.07 B |
| Rank by cap | #20 | #5 |
Source: CoinGecko, Sep 17, 2026 18:54. Where these numbers come from
Who went where: XLM and XRP
Both prices start the period at 100, so the chart shows which one rose or fell harder — not the prices themselves.
| Period | XLM | XRP |
|---|---|---|
| Week | +0.64% | −7.12% |
| Month | +15.35% | +29.23% |
| Quarter | −22.22% | +13.07% |
Over the quarter their daily moves line up at 0.65 (they travel alike).
What each one is built for: XLM and XRP
- Payments and transfersStellar and XRP
How Stellar and XRP are built
How Stellar works
Stellar uses the Stellar Consensus Protocol, in which trusted validators confirm transactions every few seconds without mining. Banks and payment companies ("anchors") issue tokenized fiat currencies on the network.
What Stellar is for
XLM pays network fees and is used for cross-border remittances, micro-payments and conversion between assets issued on Stellar.
How XRP works
The XRP Ledger does not use mining: validators agree on the order of transactions through a consensus protocol, and a new ledger closes every 3–5 seconds. All 100 billion XRP were created at launch. Each account must keep a small base reserve of XRP to exist on the ledger.
What XRP is for
XRP is used for cross-border settlement, as a bridge currency between fiat currencies and for fast transfers between exchanges.