I do not understand by what criteria you decided to compare XRP and XLM? Only by the fact that both altcoins begin with the letter X?
![Smiley](https://bitcointalk.org/Smileys/default/smiley.gif)
Almost any project from the top 100 will be more reliable than ripple. Ripple is not a cryptocurrent. It is a centralized soap bubble, which exists solely through speculators.
So the choice is apparent – the Stellar.