Stellar and Ripple are two altcoins that have been on the cryptocurrency scene for over six years. Both coins saw strong rallies in the late-2017 boom that saw Bitcoin hitting the $20,000 level. However this year has already seen BTC trading above $40,000, yet gains in the altcoins have been harder to come by.

When deciding on whether to choose Ripple or Stellar, we have to consider their potential for gaining the most users. Ripple’s XRP coin was a favourite investment for many who fantasised about altcoin riches, and the coin had a very passionate community supporting it. XRP was designed as a cross-border currency with low transaction fees and fast execution. For this reason, many saw it as an alternative to the traditional financial system, where international money transfers were costly and could take days, where XRP transactions could be settled in less than five seconds.
Stellar’s project is similar to Ripple’s but has expanded into a wider range of products. The project offers global payment apps that leverage the currency-backed tokens that already exist on the Stellar network. Alongside this, there is a built-in decentralised exchange, which allows users to swap crypto, forex, or other securities. Finally, Stellar has built a micropayments service, which could be used for tipping or subscriptions.
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