Stellar (XLM) vs XRP (XRP): comparison
Side-by-side comparison of Stellar and XRP: how their prices moved, how they differ technically and what each is used for.
XLM and XRP: key specs
| Stellar (XLM) | XRP (XRP) | |
|---|---|---|
| Price | $0.180881 | $1.37 |
| Ticker | XLM | XRP |
| Type | native blockchain coin | native blockchain coin |
| Launched | 2014 | 2012 |
| Created by | Jed McCaleb, Joyce Kim | Ripple Labs |
| Consensus | Stellar Consensus Protocol | XRP Ledger Consensus Protocol |
| Block time | ~5 sec | ~4 sec |
| Max supply | 50 B XLM | 100 B XRP |
| Transaction privacy | public transactions | public transactions |
| Circulating supply | 34.81 B XLM | 62.88 B XRP |
| Market cap | $6.31 B | $86.49 B |
| Market cap rank | #20 | #5 |
CoinGecko data as of Sep 11, 2026, 19:33. How we calculate the data
Price change: XLM vs XRP
Both prices are set to 100 at the start of the period, so the chart shows which coin grew or fell more, not the prices themselves.
| Period | XLM | XRP |
|---|---|---|
| 7 days | −4.73% | −6.83% |
| 30 days | +8.57% | +32.33% |
| 90 days | −5.98% | +17.56% |
The correlation of their daily price changes over the last 90 days is 0.7 (strong).
XLM or XRP: what each is used for
- Payments and transfersStellar and XRP
How Stellar and XRP work
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 used 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 used for
XRP is used for cross-border settlement, as a bridge currency between fiat currencies and for fast transfers between exchanges.