Ripple (XRP) Vs. Stellar (XLM): Which Coin Has The Brightest Future?

Ripple (XRP) and Stellar Lumens (XLM) are two superpowers in a new world order. The former has the most resources at its disposal and has done well to set its mark in the crypto community despite much hate and negativity. The latter has garnered support as a ‘decentralized’ alternative of Ripple (XRP) with a smaller coin supply. However, it would be tough to choose between the two. Savvy investors who believe in Ripple (XRP) and Stellar Lumens (XLM) both try to invest in both so as to use one as a hedge against another. Ripple (XRP) is the third largest coin by market cap and for good reason. The company is right to claim that it is one of the few projects in the market with the most use cases and adoption. Despite the general animosity towards Ripple (XRP) from most crypto loyalists and staunch believers of a decentralized system, it is impressive how much Ripple (XRP) has achieved so far. The team behind Ripple is a very ambitious and talented one. They have already reached out to most large institutions and forged some game changing partnerships. Ripple (XRP) also surpassed Ethereum (ETH) in market cap briefly in 2017 which resulted in plenty of debates about Ripple (XRP) surpassing even Bitcoin (BTC) in market cap to become the number one coin. The team behind Ripple did not focus much on XRP at the beginning but when debates about the use of XRP sparked and investors started discussing if Ripple really needs XRP to function, the company increased its promotion of XRP. They have published a number of videos on Youtube where they explain how important it is for large financial institutions to hold XRP for liquidity. According to Ripple CEO, Brad Garlinghouse, big banks hold trillions of dollars in Nostro accounts globally. These funds are not being used; they just lie in those accounts to help with liquidity. What if Ripple (XRP) were to capture a percentage of that trillion dollars market? That certainly shows that XRP might have a lot of potential despite its big coin supply problem. Ripple also tried to address the supply issue by locking 55 Billion XRP coins in Escrow. Another thing with Ripple, as with most cryptocurrencies is that the price could shoot up astronomically in a short time if for instance; big financial institutions start using XRP on a large scale. Stellar on the other hand relies on support from IBM for its partnerships and mass adoption. Stellar (XLM) is also keen on projecting itself as a coin to be used by central banks. If central banks decide to issue their own cryptocurrencies, they can still use the Stellar blockchain as IBM already covers most of the fintech needs of these banks. Stellar is also committed to providing a banking solution to third world countries that do not have access to banks and have difficulty sending and receiving funds. Stellar (XLM) seems more than prepared to stand its test of time and also has the potential for one of the most returns on investment with a fairly low risk/reward. The current sentiment about Stellar (XLM) in the market is euphoric and investors are eager to pick up some coins as soon as a recovery is sighted. While Ripple seems to have set its mark as a market leader in the cross border payments industry, Stellar cannot be ignored as one of the most undervalued projects in the market right now.