Key Points XRP is a tool that aims to make financial institutions more efficient, among other things. Stellar is a tool that aims to make non-governmental organizations more efficient, among other things. One of those audiences has a lot more money than the other. 10 stocks we like better than XRP › XRP (CRYPTO: XRP) and Stellar (CRYPTO: XLM) both promise fast, low-cost cross-border payments, but they chase different customers and profit pools, and their blockchains are used at very different rate ...