XRP vs 
Stellar
Two payment networks with shared DNA — Stellar's co-founder helped create Ripple. XRP targets institutional settlement and bank corridors; Stellar leans toward retail remittances and tokenised assets with a non-profit ethos. Functionally similar rails, differing mostly in who they're built to serve and how their tokens are distributed.
12 months, both starting at 100 (AUD)
XRP → 28 · XLM → 32| Measure | XRP | XLM |
|---|---|---|
| Market cap | A$87.7B | A$7.5B |
| Rank | #6 | #20 |
| Price | A$1.4 | A$0.2182 |
| 90-day change (AUD) | −27.9% | +7.1% |
| 12-month change (AUD) | −70.5% | −66.2% |
| From all-time high | −75.0% | −80.5% |
| Supply model | Capped: 100.00B max | No fixed maximum |
| AU exchanges we verify it on | 5 | check on-platform |
About XRP
XRP is the native asset of the XRP Ledger, a blockchain designed for fast, low-cost payments and settlement, created by the founders of Ripple in 2012. Transactions settle in seconds without mining, and the asset is aimed largely at cross-border payment use.
About Stellar
Stellar is a payments-focused blockchain founded in 2014, designed for fast, cheap transfers and tokenised assets, with a focus on connecting to traditional finance. XLM is its native asset and anti-spam fee token.
FAQ
Which is bigger, XRP or Stellar?
By market value today: XRP (A$87.7B vs A$7.5B). Size measures money invested, not quality — but it does measure liquidity, which affects how easily you can buy and sell.
Which performed better this year?
Over the past 12 months in AUD terms: XRP −70.5%, XLM −66.2% — the chart above shows the whole path, which matters more than the endpoints. Past performance is no indicator of future results, in either direction.
Can I buy both in Australia?
Availability differs — check the where-to-buy section on each coin's page. Compare costs first on the fee calculator, and remember every crypto-to-crypto swap between them is a CGT event.
Should I hold XRP or XLM?
That's a personal decision we don't make for you — this page exists to make the structural differences clear so the choice is yours. What we'd say to anyone: understand what job each coin is designed for, size positions like the risk is real, and check the honest failure statistics before going further down the market-cap list.
Data from our market records (powered by CoinGecko), refreshed with the daily rebuild. General information only, not financial advice — we compare structure and history, we don't pick winners.