Ripple vs Stellar: Top 5 Common Differences You Need to Know

Anisa Batabyal
| 06 May, 2020 | 2 min

Both of them belong to the best-performed crypto category; hence, they have been ranked as one of the top 15 cryptocurrencies. Ripple is the name of the company, and XRP is the token. Stellar Lumens is also co-founded by Jed McCaleb, and there might be very subtle similarities in the technologies between the two. But there are some differences you must know, in order to decide “should you buy Ripple or Stellar”. In this article, you can get a detailed comparison of Stellar Vs Ripple. Ripple vs Stellar price prediction is all about the forecast, it might turn out true or even might not. 

Let us understand the basic difference between Ripple and Stellar:

#1 Purpose

Ripple was created in 2012with the intent of making the overseas transaction faster and cheaper. Ripple grew at a faster rate as it started attracting a lot of FinTechs and other organizations. Ripple started aiming for the bigger organizations which were beneficial for both Ripple and the organizations it's integrating with.

Stellar Lumens was Caleb’s second baby, which was created in 2014 to fill the gaps by Ripple. Stellar Lumens was created with the aim of reaching out to every individual, especially the ones who are impoverished, so as to help them in providing financial assistance.

#2 Accessibility to the Users

Ripple uses a closed source software that doesn’t give accessibility to the users while the XLM users find it accessible as it runs on open-source software. But the critical data are guarded with strict security. Moreover, Ripple is a profit-making company having centralized control while Stellar is a non-profit making organization which uses a decentralized type of control.

#3 Price, Market Capitalization, Circulating Supply and Ranking

XRP is currently trading at $0.264876 with a market capitalization of $11,360,714,190 and a circulating supply of 42,890,708,341. XRP is the third-largest cryptocurrency in the world.

XLM is currently trading at $0.068568 with a market capitalization of $1,346,410,779 and a circulating supply of 19,636,140,289. XLM is the 11th largest cryptocurrency in the world.

#4 Partnerships

Some of the eminent Ripple’s partners include - MoneyGram, Kotak, IndusInd Bank, BFG, MUFG Bank, Euro EXIM Bank, American Express, Axis Bank, SBI Remit, RAK Bank and Standard Chartered Bank.

Some of the eminent Stellar’s partners include- AnchorUSD, Wirex, Satoshipay, SureRemit, Smartlands, Blockdaemon and Rehive. Recently there have been talks for partnering with IBM to reshape the financial system globally.

#5 Roadmap


  • Ripple has plans of extending their partnerships with other prestigious organizations.
  • Ripple will be dedicating their efforts on community building.
  • Planning for the final release of Indlmm Messaging Protocol (IMS) where the users can upload files of any size to the blockchain, where it will be available forever to be downloaded.


  • “Stellar Core” is the software which nodes on the network use to achieve consensus and validate transactions. Increasing Stellar Core’s performance to 100 operations/second on a single test network with 100M accounts and a quorum of 20 validators.
  • “Horizon” is a client-facing API server for the XLM ecosystem. Enabling Horizon’s new ingestion to handle the need for Horizon to re-ingest, catch up after outage, or fill gaps in a robust way.
  • “Platform” encompasses a suite of SDF-created open-source tools which make Stellar more powerful and easier to use. Creation of a new, robust Stellar DEX ticker with a faster refresh time and a wider range of available data.

You can buy Stellar from XRP here at the best rate.

Frequently Asked Questions (FAQ)

      1. Is Stellar a Ripple fork?

No, it is not a fork of Ripple, but just introduced by the same creator, with similar technology.

  1. What is the difference between Ripple and Stellar?

You can check out all the differences stated above. Just that Ripple is deflationary while Stellar is inflationary at the rate of 1% every year.

  1. Where can I buy Ripple and Stellar?

You can buy both here

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