XRP vs XLM: Which one to choose depends on your needs. Ripple and Stellar are both players in the payment sector, but their positioning is completely different: **Who serves the B-end?** XRP targets banks and large institutions (used by Santander and Bank of America), while XLM follows the C-end route—focusing on personal and small business transfers, especially advantageous in areas with poor financial inclusion. **Technical Comparison** Both are instant (3-5 seconds), but the fee for XLM is almost zero (0.00001 XLM per transaction), while XRP is also cheap but relatively more expensive. **Supply** The maximum of XRP is 100 billion (issued by Ripple Lab) + cannot be mined, and the maximum of XLM is 50 billion (also cannot be mined). Some criticize XRP for its high level of centralization, while XLM appears more decentralized because Stellar is backed by a nonprofit foundation. **Underlying** XRP uses its own XRP Ledger, while XLM uses the Stellar Network, and both can perform cross-currency transfers. To put it simply: for large institutional transfers, use XRP; for international small remittances and micropayments, use XLM. It depends on whether you want to enter the bank's door or the common people's wallet.