Bitcoin Forum

If you have $1000 will you invest in XRP or XLM?

If I would suggest you, I tell you that, Ripple (XRP) is great alt coin for long time.

It has great future.  Otherwise you can see the other alt coin, such as, Waves, Nem, Bat.
try to best thinking.
Best of luck. 😍

If I were you I would rather divide yor investment 50/50. You should wait a little. There will be better price closer to November.

XRP if you insist. There may be much better options out there though

If you ask me then I say you my choice...but if you asking about XRP or XLM?  then I say you....
if I have 1000$ must buy XRP coz XRP better then XLM.
XLM also good coin but my choice XRP.
Thanks.
just my opinion 😃

I still remember last years I saw on poloniex XRP dump to 10sat, too pity I didn't buy it

They both rise up together.  If xrp goes up so does xlm.

If 2k is a lot of money to you and don't want to lose value I would go with xrp.

If 2k is nothing to you and want something that can 10 x your gains I would go with xlm.

Xlm all time high was 7 cents, now it's around 2 cents or less

XRP all time high was 40 cents.  Now it's around 25 cents.

For a good balance approach I would do 75 percent xrp and 25 percent xlm.

I've invested in both, xrp at 0.005 penny and xlm at 0.003 penny awhile back,  I watch both rise and fall and mostly bag hold them through good and bad times. I learned bag holding when things go exponential is not the best strategy. But im also a noob trader and lose patience and tend to sell to early before the rise. So i gota find the right balance between hodling and selling.

There are plenty of coins out there man. Coins that are far more better than those two. And can be bought cheaper for now because they are still at the bottom. Try to research more. And read a lot of white papers under great dev teams. So you can get a grasp of how better a coin is from the other. And see price hike potentials. But if you insist in choosing between both, XRP should be the first pick. But you can also invest on both. And decide wether you wanna split it evenly or give more to xrp. Your choice man.
Goodluck

100% Ripple. They are trying to tap in a trillion dollar marketworld. They are aiming for great things.

XRP is the real deal, They got plenty of funding. Expanding their studio's globally, They got so many full time employees in san francisco and they are mass hiring, They got over 100 connections with so many banks and business.

  Most of the other coins will be part time programmers that do this on the side, or just wanna be startup's etc. .

Xrp is a top 3 coin and it would be foolish to overlook them.

 Still early days for ripple, XRP is no joke

Your investment your choice.

Just don't be like those grass roots people movement that will say ripple is the devil b/c they work with the banks. ,  blockchain is for everyone people and banks, You dont' want to miss out on this one.

I personnaly choose XRP, for me they are better than XLM and they have most valuable client.

https://ripple.com/ripple_press/ripples-blockchain-network-now-100-strong/

This link contains the answer (My opinion)..

XRP is on the top
I bought a lot of coins at 0.10 eurocents. I am following ripple a long time ago.
XRP will be huge and I think it will replace SWIFT due to their transaction speed.

Without any doubt I'll go for XRP, you should have a look at the project, it 's been a year since XLM doesn' t move

SWIFT is getting outdated
Founded : 1973 (40+ years old)

SWELL conference is held the SAME date as SWIFT 's yearly conference! AWESOME
I think Ripple replacing SWIFT is getting more real every day.

XRP all the way, it will hit $1 in the coming months!

They have the best technology, it far more secure, fast and something that everyone will use including the banks.

We need to get over 0.4C, then its uncharted terrain. Alot of bagholders from 0.28 - 0.38c.
The next 7 days will be interesting for sure!

I think you should more invest in xrp than xlm and make portfolio so it can give profit.

Strange question?

Its up to the individual - the amount of research they have done. No emotion if you are a trader.

always xrp, xlm is just a clone

Absolutely XRP

They are getting a good reputation in banking sector day by day.

XRP because the Swell Conference happening in Toronto, October 16 to 18. Guess why everyone buying XRP? because the price will go up after the conference. They are trying to add 2000 banks, if its successful then price will sky rocket.

Hello! how are things with XRP being a new development, something strong progress there, exploring a new place

I would pick Ripple over the other one.
Ripple been involved with the people on Bitcointalk for many years and the progress that they are making is pretty nice.

Hi guys, do you see the power of XLM? Up to 230%

I would go for XRP as I see the most long-term potential there

man...u missed golden opportunity.....xlm raising now....

XLM was the correct answer  ;)

Absolutely, XLM so crazy today. I can't believe this, I never guess if xlm will be pumped so fast like this before. Anyone know, what happen with xlm? any good news or maybe something that push stellar on higher price.

XRP because it has more investors than XLM and it has a better and active development from time to time. Better to follow their Tweeter account in able for you to be updated on current situation of their development.

i think the option can be three option, xrp, xlm and both. because both have good potential to increase for a long term and if you already hold xrp and xlm then you can wait until the price is increase. today the xlm is increase until 1xxx satoshi in bittrex but in polo the price is still in 7xx and i guess this will be increase too like in bittrex. i think today many people making huge profit from xlm because the price is double to increase or even tripple and i still waiting the price for more than 1k satoshi then i will considering to sell  ;D

they got tie up with ibm cross border payments

https://www.coindesk.com/ibms-stellar-move-tech-giant-use-lumen-cryptocurrency-payments-rail/

this is beginning for xml...likely it give good run to ripple from now on

I told you so to invest in both proportionally. Xlm is Killin it making big deals with IBM. Never underestimate xlm. Not a sh*t coin.

It will keep climbing today after a long bearish run, it managed to climb yesterday after whales have been dumping coins, the sell walls are broken today, look at order book.

if I have more funds, I will invest in xrp,
why? because the xrp project is very clear and does not want to lose

XRP. But that's assuming you have a lot in other coins already, and it's just $1000 to add to existing holdings.
If $1000 is total holdings, then I'd split it across coins and have some BTC too.

Go for XLM now .After partnership with IBM XLM going to announce something special in november 

Hitting $1 range would really be somehow hard on XRP if you do tried to see the total supply it would really be hard to determined on such price maybe it would be pumped but would really hard to believe reaching that range. Choosing among XRP and XLM i would rather go for 50-50 diversification.

I would suggest you to invest in ripple and stellar both. Both are simillar projects based upon the idea of global value exchange network and real time gross settlement [RTGS]. Both of them are really popular.Ripple has been increasingly adopted by companies such as UniCredit, UBS, Santanderand & by various banks and payment networks as settlement infrastructure technology.
Stellar on the other hand recently has partnered with IBM which itself is an achievement.
Both coins can show tremendous growth in future and you can earn good amounts of profit in the long run from both of them.

To think that Stellar was given away a couple of years ago. Just buy both and stick them on a ledger nano for 2 years and cash in

give XRP 75% and 25% XLM
coz XLM already raise up.. shit i already sell my XLM

If XRP and XLM is the only choice to be given, then I would choose XLM Stellar, after the partnership with tech giant IBM, Stellar created big leap and may lead too more success.

xlm ofourse..

Clearly XRP

Just read the members waiting to implement ilp :) :) :) :) :)
https://www.hyperledger.org/members



IBM and stellar is just an experiment lol


https://www.hyperledger.org/blog/2017/10/16/hyperledger-gets-cozy-with-quilt


What is Hyperledger Quilt?
Hyperledger Quilt offers interoperability between ledger systems by implementing ILP, which is primarily a payments protocol and is designed to transfer value across systems – both distributed ledgers and non-distributed ledgers. It is a simple protocol that establishes a global namespace for accounts, as well as, a protocol for synchronized atomic swaps between different systems.
Why Quilt?
Ledger systems today are siloed and disconnected. Transfers of value are relatively easy within one country, or if the sender and recipient have accounts on the same network or ledger. But sending value to someone on a different network or ledger is complex and often impractical. Where connections between ledgers do exist, they are manual, slow or expensive.
The Interledger protocol is based on concepts dating back to the 1970s and 1980s, but it took the advent of Bitcoin and the global blockchain movement to make the world realize that money and value transfers could be reinvented with Internet based technologies.
Internet protocols enable information to be packetized, routed and delivered over communication networks. With ILP, money and other forms of value can be packetized, routed and delivered over payment networks and ledgers. Hyperledger Quilt is an enterprise grade implementation of the protocol, developed in Java, and providing libraries and reference implementations of the core Interledger components and in time ledger integrations for other Hyperledger projects.
Technical Details of Quilt
The idea is that Quilt will become a ledger interoperability solution for Hyperledger projects. This will enable Hyperledger members’ distributed ledger solutions, financial institutions’ private ledgers, IoT companies’ wallets, and supply chain systems to connect with one another to perform distributed atomic transactions.
By implementing the Interledger protocol, Quilt provides:
A set of rules for enabling ledger interoperability with basic escrow semantics
A standard for a ledger-independent address format and data packet format that will enable connectors to route payments
A framework for designing higher level use-case-specific protocols
Who will work on Quilt?
Everis, NTT DATA and Ripple are committing full-time engineering resources to ensure the success of this project. The main contributors will include Takahiro Inaba (NTT DATA), Adrian Hope-Bailie (Ripple) and Isaac Arruebarrena (Everis, an NTT DATA Company).
Many other members have already expressed interest in backing the development of Quilt’s Java implementation. This team will seek to work with the other Hyperledger projects in order to find ways to enable ledger interoperability across Hyperledger’s DLT solutions and institutions’ centralised ledgers. Other engineers from NTT DATA, Everis and Ripple will also contribute to the project over time. Members of the Interledger Payments Community Group have also shown interest in contributing to the development of this ILP implementation.

Frankly Stellar looks much better for me. It's more risky than Ripple, but it should grow significantly due to last news about IBM.

Yep just takes one small decent news to move XLM stellar,  decent to good news doesn't even budge ripple anymore. Heck it even dropped during the swell event.

Yes XRP is better but you'll make more money with stellar :)

Careful though stellar is more volitile,  A high of 7 cents a few months back  down to 1 cent like last 2 weeks ago .  xrp had a high of .40 cents down to .15 cents.

Let me guess you are clearly a ATH buyer lol.
With shitcoins you need just a listing on a new exchange and they will pull 100%.
With XRP you need 100 Banks and the IMF and the price wont move. But somehow special that is. Im buying 100 k more

I see more potential in XLM.

XRP is for banks. Banks don't need XRP Tokens to run the system - though, why should they be interested in a system, that costs them extra fees? So, if tokens are too expensive, there is no use

I prefer XRP (Ripple) of course it is better than XLM i think.Now ripple is big fall down so it's a perfect time to buy ripple.Ripple future highly great i think, i have 700 ripple & hold for life time.

Ripple is good. I would invest in Ripple. But, with $1000 why put eggs in one basket. I would put some in Stellar as well. Just to share I have coins for both.

Both of them is a good option but i believe xlm now is goin to sky with ibm :)

If you are talking about profit mate, XLM just gave a pretty huge profit to its holders not long ago.
Any alt is capable of giving you profit if it has potentials, it is just for you to know the right time to get in and when not to.

For someone considering to hold for a very long term, then they can both equally be good. Although XRP has been consistent anyway.

I'm not sure I would invest in any of them, because their supply is just to big. They are not scarce, so I don't think they will ever be worth that much. As far as technology goes, they will probably be very useful to banks, and I would put my money on XLM because it's now backed by IBM, so it will probably be the one with more potencial. I'm not that familiar with any of them, so this is actually a blind pick on IBM itself, rather than the coin.

I agree with XLM since its cheaper as of now, meaning  there are more rooms for growth. Also with big companies as partners, it can be a good way to get mainstream and probably become successful.

I would recommend you to invest in both ripple and stellar. Both are based upon simmilar ideas of global banking and real time gross transfer. Both the coins are really popular. Ripple has been increasingly adopted by banks and payment networks as settlement infrastructure technology and is Used by companies such as UniCredit and UBS.
Stellar on the other hand recently became partner with TECH TYCOON-IBM. Both the coins have huge potential to grow and can help you earn tremendous profits in future.

i don't know
but i like xrp :)

I don't have much idea about XLM, but has seen XRP on the top list of digital currency. Even today an article came regarding XRP,  in which fraudulent activities have taken place with the use of XRP token on a Japanese exchange.

For long term go with XRP. It has massive potential. There is a lot of FUD around this coin, but with a bit of research you'll see through it.

For short term profits, probably go with something else though. XRP is definitely a long termer.

These two coins have potentials, no doubt so you may just consider the second one.
Nevertheless, you should wait for a better price to get in as stellar most especially just had a really huge pump in price some few days back, probably you might have a better chance of a dip before the fork. If I have $1000 though, I would not invest in any of them at the moment. Better Alts to invest.

I think XRP is consolidating ahead of a boost after BTC hard-fork. As search volumes have shown to be heavily correlated with cryptocurrency price activity, this could foreshadow brighter days ahead for the XRP/USD exchange rate.

XRP or XLM both good future coin. my opinion XLM  give profit in trading and grow in very short time. XRP coin is very long investment if you wait XRP give very big profit and it is very big turning point in our life. i invest 1 BTC in ripple  for long time.

announcments about XRP are not too good.
XLM is better IMO.

I think it's better xrp because xrp is already in poloniex

What do you mean by that?
Ripple is doing some major things for Blockchain and Bitcoin. I am not siding with Ripple though they are working and getting things done.

My friend's employer MUFG is implementing Ripple into their platform. They're also creating their own ICO called MFG Token. I'm guessing banks for going to create their own individualized tokens. Not sure how this is going to play out.

I chose to invest in RIPPLE (XRP), because I think XRP is better than XLM. and now XRP is in the LOW price, so this is a good opportunity to invest in XRP.when the bitcoin is stable, XRP and the other altcoin will definitely the price going to up again.

Congrats XLM (STR) holders with new hight and profit !)

XRP Good coin. i will buy more XRP and hold for long term. XRP is a popular altcoin.

If i were you i would invest in ripple,because ripple has a good development team and it was created to be used by the banks in the future.

XLM since it's backed by IBM and actually being used by numerous banks with IBM's help, actually using the XLM token for transnational transfers.

This is a hard poll, because they are very similar both these altcoins.
But i believe that Ripple is a longer term altcoin. Stellar has proven over time to have small bursts of large profits.
I would put 50% in each of them in the end.

I choose xrp, cause it is a great project and we will buy this and also holding for long term then we can get success.
you can see everyone opinion then you can decide and get answer of your question.

I like both these altcoins but XML has risen from 0.01 to 0.13 in less than 1 month and for me that's quite the impressive achievement. I hope it rises more.

XML has my vote, because it has the potential to be the best Altcoin in 2018. I'm waiting for it to go $1 easy.

The future is probably Ripple, but Stellar seems to be doing so well at the moment.

In my opinion, XLM is better.

For me XRP is way better in all aspects plus it has a good community and a lot of potential when the banks accept XRP the bag holders will be millionaires.

To add something to your comment, IBM still works with Ripple in their FTM Division. There was an obstacle about the supply with ripple but with the immediate upcoming lock up it will push away those concerns and IBM will quickly switch to Ripple because the use of XRP is regulated within the framework of many countries

i'll buy xrp..Big potential.currently it is #4 in coinmarketcap.

I will go for xrp because it is one of the biggest cryptocurrency in the overall markets of altcoins. Xrp is maybe a centralized cryptocurrency but the time will come where it will be popular since the banks are getting into XRP and they are trusting it because of the power of centralization.

right now XLM reached the highest at $0.2++ its a good news for the XLM holder, it increased from last night 100% changes, i dont know why the price of XLM is increased are XLM developer have a project or event? so the price is increasing like a rocket?

Right now XLM of course. The perspective is cosmic. Here is a clipping from one article: "Stellar also features a built-in currency exchange system that allows people to buy and sell currencies. It works like a distributed exchange. "

"Stellar is significantly cheaper and faster than other protocols, including Ethereum (5 seconds median settlement time on Stellar vs 3.5 min on Ethereum for execution and secure confirmations.) It costs 1 cent to make 100,000 transactions on Stellar."

and there are a lot of pluses.

Why should Stellar have any value when the system(blockchain) works without it? :))

what system do you mean?

I think they're both cheats. Ripple has behind the banks and there are lots of coins, Stellar/Lumens seem made especially for speculators.

whatever you say about xrp and xlm, i will hold them till it worth $10 for each coin, i still believe someday both will explode

Stellar is going to the moon!

Invest in that before it goes down!

Good evening , I think your choice is worthy ,these 2 coins are promising ..

Recent developments coming together -->

Shift/Shift Payments

Since 2014, Ripple has been experimenting on multiple projects developing a debit card that would allow owners to easily spend their digital currencies. It first began as a joint effort along side Shift Payments to create the "Shift Card". Which the project was focused on

  Quote
"working to make it as easy to spend digital currencies, cryptocurrencies and loyalty points as it is to spend regular, fiat money."

https://ripple.com/insights/a-debit-card-powered-by-ripple/

The prototype card was integrated with both Coinbase and Ripple accounts at one point with the partners wanting to integrate the card with loyalty point programs and regular bank accounts in the future. Ripple was planned to be used for the settlement protocol for payment between fiat currencies, digital currencies, mobile minutes, etc. And in further innovation,

  Quote
"The card works offline, online, and internationally, thanks to the support of a major international card network."

https://techcrunch.com/2014/08/12/shift-is-developing-a-debit-card-that-lets-you-spend-digital-currency-loyalty-points-and-regular-money/

It would later be released that Shift Payments, now Shift, was introducing a VISA backed Bitcoin debit card. Suggesting the probability Ripple had been introduced to VISA long ago....

https://techcrunch.com/2015/11/20/coinbase-partners-with-shift-payments-to-issue-bitcoin-debit-card/

Unfortunately nothing came from it and the test wallets they used for  the pilots have become dormant for several years. (although the main wallet has 375k XRP just sitting there)

https://bithomp.com/explorer/rKbtT6j1JGjFnwkUp2Na1W8XE5Z79VsMYi

https://bithomp.com/explorer/rpfFnyaChjzB8RNfT6VDYioFWfjghYXnvb

Shift appears to have moved on but a possible explanation as to why nothing arose from it might be how cryptocurrencies were not favorably perceived in 2014.

  Quote
“We learned very quickly that no bank here in the U.S. is willing to take that leap and actually support something like this. They were just too nervous and no one was willing to take that reputational risk”

However one of the co-founders of Shift, Meg Nakamura added that

  Quote
“It’s just going to take time,” she says. “U.S. banks are engaged and excited about the technology and its potential. They’re watching regulatory direction closely.”

https://techcrunch.com/2014/08/12/shift-is-developing-a-debit-card-that-lets-you-spend-digital-currency-loyalty-points-and-regular-money/

Whether they ever use Ripple or not in the future is up for debate but one of Shift's co-founders was Gregg Kidd, the chief risk officer at Ripple during the time. Interesting enough both founded Hard + Yaka, a fund that makes early round investments in exchange space startups. Previous investments? Global ID, Gatehub, Ripple, Coinbase, Shift, Bitso (expect XRPL to run thru it), ShapeShift and to our next topic of conversation.....Marqeta.

http://hardyaka.com/

Marqeta

Marqeta is an open API payment card issuing platform that has been enabling businesses to process credit and debit card payments. Marqeta has been establishing itself as a big company that has attracted notable clients and investors to utilize it's technology. Facebook and Oink are example of clients while this past July, VISA made a strategic investment in the company and formed a partnership to drive further innovations in commercial and consumer payments globally.

  Quote
"As it relates to Marqeta, Visa is poised to aid the company in three significant areas, according to Gardner: For one thing, the global payments company will instantly give Marqeta greater distribution by promoting its developer-centric products to Visa partners and customers. Given its global footprint, Visa also will be able to help Marqeta expand internationally. And finally, Gardner sees an opportunity for Visa and Marqeta to benefit from a technology exchange."

https://techcrunch.com/2017/07/26/visa-marqeta-25m/

http://www.businesswire.com/news/home/20170726005359/en/Visa-Marqeta-Form-Global-Partnership-Drive-New

https://www.pymnts.com/news/partnerships-acquisitions/2017/visa-and-marqeta-partner-to-transform-global-card-issuance/

https://techcrunch.com/2013/05/16/powering-the-facebook-card-marqeta-raises-14m-from-greylock-israel-to-recreate-the-starbucks-loyalty-card-for-merchants/

Marqeta is compatible with the Discover, MasterCard, and VISA networks.

https://www.marqeta.com/api/docs/VhypzxwAANwA_Vgx/cards

The CEO of Marqeta, Jason Gardner, has been very vocal and supportive of blockchain technology and it's possible applications.

  Quote

"When you see big banks like JP Morgan, IBM and Microsoft creating new technologies using blockchain, I don’t think it’s just a flash in the pan. I think people are realizing the efficiencies open-source tech can bring."

adding,

  Quote
"Marqeta, Gardner says, is interested in how banks are connecting with distributed ledger service providers such as Ripple and how the industry more broadly is building new ledgers that increase the speed and efficiency of money movement."

It was also revealed in January 2016 that Marqeta had been working with Ripple on a defunct debit card product that would allow users to spend cryptocurrencies at traditional points of sale.

https://www.coindesk.com/marqeta-ceo-bitcoin-blockchain-tech/

With the test wallets to prove this collaboration,

https://bithomp.com/explorer/rwEFnxs7GQsHXBG9ARZNYcmBkZc81zphMC

https://bithomp.com/explorer/rwYx6Mp1n8yMbGN9K4MkHsSNvibK4MPjQF

(being really active last year and even doing fiat exchanges between USD and JPY)

Only time will tell where this collaboration will lead to but it's safe to say that Ripple has really positioned itself well in regards to VISA and Mastercard. And one other interesting development has been Marqeta's new partnership with Ali Pay.

  Quote
"Through the partnership, Marqeta’s platform will facilitate the completion of Alipay’s payment process in real-time, providing Alipay’s more than 520 million registered users in China with easy and seamless purchasing capabilities at millions of domestic retail locations across the country."

https://www.finextra.com/pressarticle/71286/alipay-joins-with-marqeta-for-us-payments-play

  Quote
"With the new connection in place, Alipay’s payment process gets a real-time boost making it easier for a new quantity of retailers in the United States to offer Alipay service to Chinese travelers going abroad. Reports put the total number of Marqeta-compatible merchants in the US in the “millions” range, which should prove quite helpful for those checking out the US on vacation."

https://paymentweek.com/2017-10-27-alipay-marqeta-team-alipays-payment-processing-ambition/

http://www.businesswire.com/news/home/20171020005664/en/Alipay-Taps-Marqeta-Expedite-Payment-Acceptance-Retail

One notable thing did occur (and is accelerating as we speak) this past March, Ripple introduced Payments Channels into the RCL/XRPL and ILP. Thus allowing the XRP Ledger to scale,

  Quote
"An XRP Payment Channel allows transaction throughput to increase to tens of thousands of transactions per second, bringing our scalability to the same level as Visa. With the capability to send money as fast as a credit card swipe, XRP Payment Channels have the ability to transform the way people send money and the payments industry as a whole."

https://ripple.com/insights/ripple-continues-to-bring-internet-of-value-to-life-new-features-increase-transaction-throughput-to-same-level-as-visa/

  Quote
"Our Payment Channel is specifically designed for XRP and allows transaction throughput to increase to tens of thousands of transactions per second. XRP saw nearly 70K transactions with an average time of 3.7 seconds."

https://www.cryptocoinsnews.com/ripple-claims-transaction-thoroughput-now/

The network has now scaled enough to sustain the amount of transactions the VISA network sustains. One last note,

  Quote
"UK-based Wirex has formed a joint venture with fintech investing powerhouse SBI Holdings to launch a cryptocurrency payments card in Japan. Wirex already offers a Visa-backed cryptocurrency debit card but the new JV, called SBI Wirex Asia, will soon roll out a Yen denominated option. In addition, the partners plan to move into other Asian markets."

https://www.finextra.com/newsarticle/31227/wirex-and-sbi-holdings-team-on-japan-cryptocurrency-payments-card

AirWallex

Ripple partners with ties to major credit card issuers don't end there. AirWallex is an international payments startup that is based in Australia that in October, it's partnership with Ripple became publicly disclosed.

  Quote
"Australia-based Airwallex will use RippleNet to process corporate payments at a highly competitive exchange rate, with low transaction fees, across the APAC region—through which 40 percent of cross-border payments are predicted to flow by 2025."

https://ripple.com/ripple_press/ripples-blockchain-network-now-100-strong/

This past May, AirWallex held a Series A Round in which it raised $13 million dollars in funds for the company. These investors included MasterCard, Gobi Ventures/Partners which is one of Alibaba's investment managers, and Tencent leading the investment round.

  Quote
"Already it is working with Tencent to help lower back-end costs for its WeChat Pay service overseas — which is seen to have potential to grow alongside the emergence of outbound tourism from China, where WeChat is the dominant messaging app — but Zhang said the firm primarily deals with financial institutions, insurance companies and others that “do international payments at scale.” Two undisclosed clients, he said, are forecast to transaction “billions of U.S. dollars” each by the end of 2017, and the firm is on the hunt for more customers in this bracket."

Tencent's WeChat has roughly 980 million monthly users, with users sending about $1.2 trillion in mobile payments in 2016. Along with mobile payments in China, Tencent wants to expand WeChat Pay usage to other regions including South Africa, Philippines, and Malaysia.

https://bankinnovation.net/2017/04/alipay-wechat-processed-3-trillion-in-2016/

http://news.abs-cbn.com/business/11/22/17/wechat-pay-launches-in-philippines-with-asia-united-bank

http://www.marketing-interactive.com/tencent-confirms-plans-to-launch-wechat-pay-in-malaysia/

http://blog.wechat.com/2015/11/25/south-africa-launches-wechat-wallet-the-first-country-officially-outside-china/

And there is one more region that AirWallex is targeting thru a formation of a partnership this past week, Europe. On December 1, AirWallex announced a partnership with Railsbank to enable

  Quote
"Airwallex customers to transact in and out of the UK & EU SEPA zones, and Railsbank customers to access the cross-border FX and payments capabilities of Airwallex."

AirWallex also became Railsbank's

  Quote
"exclusive foreign exchange partner, facilitating cross-border transactions for Railsbank clients with Airwallex’s proprietary payments and FX solution, built for low latency, high volume processing."

Airwallex’s VP of Europe Expansion, Michael Stachowiak speaking on the partnership shared,

  Quote
“Our partnership with Railsbank means we can hook into domestic payment methods through one integration to offer our customers a fast and viable new access point to transact in and out of Europe, encouraging greater transactions and trade between a strengthening European economy and the tiger economies of the Far East.”

https://www.finextra.com/pressarticle/71788/airwallex-joins-railsbank-platform

https://www.pymnts.com/news/b2b-payments/2017/airwallex-railsbank-international-payments-partnership/

Along with it's partnership with AirWallex, the previous day Railsbank was one of eleven companies to be chosen by MasterCard to be included in it's Start Path program. With Railsbank being chosen for it's ability to give companies access to global banking networks thru APIs.

https://www.finextra.com/pressarticle/71779/latest-mastercard-start-path-program-includes-blockchain-digital-identity-and-healthcare-fintechs

Want to know what happened on November 30? (same day of Railsbank and MasterCard's annoucement) The European Central Bank hosted a digital transformation conference that Ripple was invited to.

https://www.ecb.europa.eu/pub/conferences/shared/pdf/20171130_digital_transformation_conf/Conference_brochure_20171130.pdf

A panel which consisted of Banca Sella, the Central Bank of Netherlands, PayPal, and Ripple was held to speak on the disruptive potential of fintech innovations for the retail payments ecosystem.


Want to know what happened on December 1? (same day as AirWallex and Railsbank's partnership) Brad gave us a nice tweet Smiley


The VISA and MasterCard connections are there and more subtle Alibaba and Tencent connections to Ripple are surfacing. There's a lot of money between Europe and China in e-retail.............

Stellar Lumens is more promising atm, it seems to be on a rise and i believe it will continue on this path until the end of the year.

XRP seems to be a better choice for me. Why don’t you buy both, you get best of the both world.

Ripple is better than XLM and long term trust coin .

if you have 1000$ and will put it on XRP or XLM it’s better but there is many better than it

Maybe if there is an alternative besides the two of them I would choose another alternative, not because I do not trust them. Sometimes I feel numb about the price jumping down. Maybe an alternative that I would choose by buying ethereum as it tends to be more stable. But for both of them I have a view XLM will skyrocket.

If there are  only two choices, i will go for XRP rather than XLM. But  you shouldn't limit your self on this two coins, there are more coins to choice from. If i where you i will replace it with XMR, LTC and NEO.

I already did about +80% by trading with Stellar. I think XRP will not have such profits. It is great project for banks, but for us as for investors Stellar seems better and i think in nearest future Stellar will come up to 0.25-0.5$. I will buy them again when the bitcoin will stabilize

People read this and think for one second before becoming brainlet

I know there is a great temptation to invest this money into Stellar Lumens as this coin is growing (I do not take care of the drop due to BTC jump), but I would better trust Dash, as the one of the reliable currencies.

XLM and XRP were dependably intended should be An span between the fiat and crypto world. while many researcher trust that those old world of banks a, monetary framework and financial structure will vanish under those weight of crypto dominance, but id rather choose XRP above XLM because it have high volume trading and more trustable.

Since both coins have seen significant gains and attention outside of traditional cryptocurrency communication channels (XRP seeing much more of it), I think there is still much to be seen from both projects in terms of longevity not related to the actual tech behind the coin itself. How new investors to the community view the coins brands will most likely out weigh their knowledge of the product in terms of choosing one coin over the other.  As we saw with Ripple's sharp rise and decline, and Steller's steady rise after major loses, one points to fear and lack of knowledge of the markets, the other I believe in intermediate investors seeing a good, cheap coin in Steller. I made my initial gains in XPR early on through hearing that the banks ever very much involved (to say the least). I choose XLM on the dev team and potential of the project.

None. I will go with XVG. More developments coming this year.

I do not recommend you to invest on those coins, take a look to DeepOnion Project, read the entire white paper and visit their website. I am sure you will buy this coin. I already Invested 20k dollar and I am sure it will be x100 by the next year. ;D ;D ;D

I invested in both, but prefer XLM right now - really huge potential to grow, ICOs, platform...bright future!

My opinion of view is that XRP is better. Investing in XRP is more secure

In this comparison, I probably would prefer Ripple, because despite the fact that this project has a rather non-transparent structure, but this project has quite a serious capitalization and is confidently moving in the market, it certainly depends on bitcoin, but it all depends on our chief.

For me much better to divide your $1000 for that two coins, you can able to get much good profit for holding that two for long period of time and you will not regret if each that coin will increase its value.
But base on the project of these two coin XRP is much better and have strong team with a great vision.

I think XLM has the edge in this one. This coin gets a lot of attention nowadays and could be a good ROI considering the price right now. This is definitely a project which I'm following and thinking of investing in.

If I have, I will invest in both XLM and XRP. Cause, they always same in the move. So I can take profit in maximal prices.  ;D ;D

I would personally go in XLM if you wanna go short trading (since it shows bigger growth). Or go XRP and hold for few monts.

Google Jed McCaleb, that is the guy behind the MtGox heist, Ripple and now Stellar. Then ask yourself if you would trust such coin.

I prefer XRP. because as far as my observations XRP is one of the best coin. of the many coins I prefer to trade XRP.

The company of financial technologies Ripple, known for its digital currency XRP, announced that two payment companies will start using the xRapid product for transactions. IDT Corp. based in New Jersey and Mercury FX will use xRapid to accelerate transactions. Ripple accelerates plans for xRapid, a product based on the XRP crypto currency, which aims to strengthen cross-border payments for emerging markets. The product attracted media attention earlier this month after it was announced that MoneyGram, one of the largest money transfer companies in the world, will begin testing it. The news shows that Ripple is moving ahead among financial services players. Ripple stands out in the world of crypto currency as a company that aspires to partnership, not to overthrow the current financial system. Their approach attracted many investors to the digital currency XRP.

XRP would be a good option.

For my I would suggest you 70% for XRP and 30% for XLM.

Well, and then there is the big issue, that no banks at all need XRP to facilitate any payments. Story is some guys in Dubai transfer Ripple to each other to drive the price up, other than that there is no real usage for this coin.

https://www.financemagnates.com/cryptocurrency/news/cuallix-uses-ripple-cross-border-payments-u-s-mexico/

http://ir.moneygram.com/releasedetail.cfm?releaseid=1054088


https://ripple.com/insights/more-global-payment-providers-idt-and-mercuryfx-sign-up-to-use-xrp/

https://ripple.com/insights/japan-bank-consortium-moves-become-production-ready/


https://ripple.com/insights/top-korean-banks-work-japan-bank-consortium-modernize-cross-border-payments/

These are all 3rd party money transfer companies, not banks. So, I ask you again, please provide some examples.

Japan/Korea? So they hope perhaps, nothing is there. No bank needs that Ripple stuff, they have SWIFT, VISA, etc. in place that works way more efficient and cheaper for decades.

The last two links clearly state that these ARE BANKS.
Dont try that hard, not that you get a stroke from "outfacting" me

Ripple is in my opinion one of the biggest scams ever. But that's just my opinion, not financial advise :)

Stellar for me is very potential, you just have not realized it. A solid team of developers and an ever-expanding community and many long-term plans.

I have heard that before...since 3 years. Nothing changed in cryptoworld :)
There will be always someone around that preaches the "ripple is a scam" conspiracy :D
But thats just my opinion

Both are good coins,, if i seen the market when some altoins go down,, XLM not too terrible and then stable enough, You could look the volume,, XLM have good volume ,it don't to take long to get increase.

Both coins are quite linked as both with TRX. Anyway I think that XLM has more growing potential so I will go for Stellar.

I will put all my $1000 on Stellar/XLM. I am not supporting XRP, why? because they build a coin that is centralized that all banks will support who has unlimited source of paper money to control over BTC and ETH. XLM has a great future partnership with IBM a very big company in our industry for a very long time. Why would IBM will partner with XLM because they see a potential with this coin that will help our economy in the future.

Contrary to popular opinion, I would prefer XLM. Stellar is completely decentralized, unlike Ripple.
I think Stellar may surpass Ripple this year.

IBM IS ALSO WITH RIPPLE.
Dont be that proud lol
How many coins can the stellar dev dump on the market? Billions.
XLM is centralized

I believe that your future depends on Ripple. It's much better than Stellar base on their current price. And not just that, when it comes to their concept, I believe that Ripple got a much better future.

Stellar is not decentralized, it is almost completely, that is ~97 percent, premined. And there are 100 billions of them. Same as with Ripple.

Stellar is on the top now. I would prefer little bit correction before coming in XLM. XRP I waiting on 0.7-0.8 to buy a little bit, also not now.

Took the words out of my mouth :D The second place goes to BCH ;D
XLM looks a little bit better for me than XRP, but still bad.

The hard thing for XRP is that if banks decide to go with them, they're going to make the three ripple founders extremely rich, something Jamie Dimon might not be too keen on.  Also, for ripple to succeed in money transfer, they have to solve the nostro account problem, in other words companies like Western Union have to keep hundreds of millions of dollars in banks overseas so that when a customer walks into a Western Union agent to receive the remittance, these agents can get the funds.  Ripple does not solve for this.

@Ron XRP specifically solves the nostro account issue!
Do you know how YUUUUGE this is?

Would prefer XLM now. Never knew you can also do ICO on this platform. Even if the focus is payments platform, still some additional use for it.

Is everyone aware that in fact XLM has MORE tokens as a total than the so often mentioned `ridiculous amount of XRP tokens`?
While XLM have until now issued less than half of what XRP has brought to the market.
 

i would go with xlm because i think eventually people will ditch xrp due to it's bankster backing. I'm personally heavier on xlm than xrp

In my opinion, ripple is not a reliable coin. I think it is not giving hope for the future. Its price is just pumping and dumping, nothing much.

On the other hand, I like Stellar's price curve and I think it is a promising coin.

I trust Ripple much more (oh, here I mean sure XPR). Stellar has shown its growth (a great jump) only recently, and Ripple is the system that is used in many banks already. However, listen to this guy: https://www.youtube.com/watch?v=vsS7BCe_Phs

Both coins are very worthy. If you want to invest in a good project then invest in both. If you study the plans of coin developers you will know that these are long-term and highly profitable projects.

Of course Stellar. It looks like a real project, which has a potential and will be developing in future. Ripple isn't even centralised and emision is non-limited - this factors make me stand against that "coin", it's an alien in decentralized world.

Not sure XRP is the right choice due to the supply. It is just to much which means the chance of it going 10x will take some time. I would go for XLM if I had to however probably best to go for a totally different coin with low supply which would translate to greater gains in the long run.

I also don't like ripple but when it comes to a comparison between xlm and xrp, I can say ripple in this case. I think xlm is now in a hype. That's why.

I would choose XRP than XLM, because XRP is one of the top rating altcoins in coinmarketcap.

I invested in both and these 2 coins are more than 30 % of my portfolio.
I like more XLM, but I bought XRP when it was around 2.6 USD, now it is 50 % less, so now I will HODL it until it goes at least 3-5 USD.

XRP is the best option according to my opinion because its price is very low to buy the big quantity of coin for long time investment. We can’t say that XML is a bad idea to invest because it is also good demand coin which is growing every year with the good and big investment by the investor for trading and XRP is my first choice and XML is second.

XRP & XLM both are very nice on their part, as they both are prove to be profitable. XRP came later but shows nice result as its graph growing on. This time its market price is low so it is good  time to invest In it by purchasing it.

I would invest in XRP, in my opinion they are better than XLM. They are like brother coins but XRP has more marketcap and potential to increase in the future. At the moment I keep more XRP than XLM.

Both coins are promising. If I have $1000, I will invest $500 in XRP and $500 in XLM. I always share risks.

XRP have already ruined reputation.
But XLM every chance I suggest you buy XEM..

Some of them are much stronger in all crypto currencies. two of which are XRP and XLM. I think xlm will be much stronger in the future. those who invest in the future will win.

Both can rock out. There’s room for both in their respective markets but I personally prefer Stellar so I would put on xlm 700$ and 300$ on xrp

Go with Stellar, XLM I recently made 100% profits with that, I see this is the right time to buy in the dip because this will definitely skyrocket in the next few months, on the other hand, we have XRP which will be a long-term HODL and will skyrocket may be in the next 2 years. The best thing about XRP is, it is backed up by a very strong dedicated team and so, It has great value for a long-term investment.

Both are good coins, but I rather pick the underdog here. Stellar has various partnership worldwide it can be small banks but here in the Philippines they partnered with our tech giant which is coins.ph and Thailand as well.

Haha, have you even bothered to check the supply of lumens?  guess what... 100 Billion! 

Do your research and you'll see there is no comparison whatsoever.  And when XRP comes out as the unanimous winner on the other side of all this upcoming regulation it will not only cover cross border payments but ALL Micropayments, the very space stellar was angling for.  Good luck by my money is on XRP all the way. 

Absolutely 100%, if I had to pick 1 from Ripple or Stellar Lumens,
XLM Stellar for sure.
Because behind XLM there is an amazing technology, already up and
kicking.
Moreover now it is a great dip in the market, maybe it is a good
moment for invest some money on them.
Of course, be aware, always invest only the money you could lose.
Good luck ;)

Wooow so amazing. Tell me more :D :D
Tell me about what makes it so amazing and then compare it with ripple ;)
You will see for yourself that your argument is full of shit

XRP act as a bridge between fiat currencies during transaction . XLM is also an open platform for building finicial products thay connect people everywhere . Both coins are good but in my view  XRP has best technology and profitable project .

Of course, xrp, because of its application scenarios and cooperation agencies more, I am more optimistic about its development

In this comparison I will probably choose the project stellar, because a very, very large number of people do not want to participate in the Ripple project anymore, so many people lost their money in this project.

If I choose between these two altcoins, I will pick Stellar. Sure the beginning of February is not the best time to make any choice, but I make my conclusions basing on the previous data. XRP is not even a true alt.

I currently hold XLM, and for awhile had both XRP and XLM. I sold off XRP simply due to it being (as far as I understood) a token for a platform that didn't necessitate the need for the token. If I'm wrong, well guess it's too late.

If I were you I would rather divide yor investment 50/50. You should wait a little. There will be better price closer to November.

Why do you think XRP is better?

I don't choose ripple or stellar, stellar is good project but it did x10 minimum in two months, I suggest to research about neblio or bitclave, I invested to them and I hope they will bring good money, I don't think ripple can bring good profit.

XLM is a better investment than XRP which is a centralized coin created by the bankers to destabilize our decentralized community.XRP's supply is huge and it only means that it wont have a good price improvements in the future,XLM is an upgraded version of XRP,XLM is indeed a copy of XRP because the XRP's former developers joined the XLM developing team.

I prefer XLM because this coin is mineable so everyone can to mine it but XRP just premined so the total supply mostly hold by their developer. Oher thatn that Stellar platform as smart contract and many starts ups used their latform to make application and running ICO to collect money from investor. And also Stellar Lumens has faster and no fee transaction and more scalability.

Both are good projects worth investing in.

If I had to choose one I believe XRP has bigger real use potential so will likely yield a greater ROI.

I go for both. Stellar and Ripple are both amazing cryptocurrencies. XRP has a bright future because their block chain is being used by banks.  Stellar is also used by IBM.

Personally I believe in Stellar's XLM more; and they are aggressively pushing for big adoption now.
Go google for news about the latest developments (in SE-Asian countries, for instance) and find out why I have placed XLM as one of my main cryptos in my portfolio.

I'm surprised that most people who vote will choose XLM.
In my opinion,XRP is the real solution to the problem of trust between Banks, and most of the time XLM seems to just follow the rise of XRP, which is not very good.

Stellar is way more decentralized than Ripple. Moreover banks and financial institutions are using the Ripple products but not the XRP token.

XLM network can also be used as ICO platform

We know that the latter is the major competitor of the former but the former has established well in the cryptoworld having the 3rd biggest market capital just next to Ethereum. Crypto with big market cap is one of the factors to tell that this crypto is a potential crypto so i will choose and invest on the former than the latter.

When you make a choice, note that XRP is not a decentralized crypto currency, it is more like an electronic version of the dollar.

If we talk about it, then both coins are correct. There is more demand the Ripple in Coin market,  But in the coming time, the xlm coin will face the xrp

I am personally a Stellar supporter and I choose her between both.
But I would divide these 1000$ for example 40% / 60%.

Both coins are actually good (despite the same creator behind it)
But I'd personally go to Stellar because the coin itself can be mined, but Ripple is also not a bad choice because of the blockchain is used by banks (well, the future is "assured" depend on the banks)

If I would have 1000$ and I have the choice to invest in both of these coins I would choose both I would have invest 500$ in Ripple and 500$ is XLM. Because both are very good coins and both have a good future. So it will be better to invest in both the coin so we get good profit in future from both of them.

XRP is way too centralised. One single company holds the power to block people using their network or control which transaction can go through, and whatnot; and they are a lot easier to be targeted by governments who wants to shut them down or attacks on their nodes etc. But that being said, I do believe that the company is legit of course, and it is not a "scam".

Stellar Lumens (XLM) is (sufficiently) decentralized (and would become more so into the future as adoption increases). It cannot be taken down, it cannot be sued, or attacked as a whole.
Also, it is THE coin of the two that is being adopted in SE-Asia.

Ripple on the other hand is the network that is adopted by banks/corporations - and they do NOT necessarily have to adopt and use XRP; many don't.

I prefer Ripple. I think he has more potential for growth. Now it costs one dollar, but in a year it may become more expensive several times.

I choose ripple.
Ripple is more potential than xlm.
Ripple technology is better than xlm.

BTC2 altcoin is also popular now. There is constant movement in the market. there is constant change in the crypto money market. my favor is xrpBTC

Take XLM it is much cheaper and more chance that it will grow.
XRP is centralized, it's the same bank, so I do not advise buying it.

I agree with you on this mate. I think instead of choosing one, why not choose both. 1k dollars is a big amount of cash if you would think of it as an investment. Thus, go 50-50 on it. I think Ripple is a better short term investment that could give you good profit in just a short time, plus it's quite easy to get rid off as well. On the other hand, Stellar is a better coin for long term investments, I think although it gives better return, it would take some more time, maybe a few months, because although it is lower in value, it can get more, but with patience.

Totally agree with you @JuniAiko,
moreover I wouldn't be offtopic because here the question is between Ripple or Stellar,
but in my portfolio I added also a lot of ADA (Cardano)... ;)
And I sold 50% of my Ripple in January 2018.