Why I am progressively converting my Ripple (XRP) to Stellar (XLM) as Stellar price keeps falling.1 ) A non-profit organization, and a decentralizing network.
2 ) Partnership with IBM
3 ) Targets the people and small businesses (especially in developing countries)rather than big mega banks and for-profit corporations.
4 ) Stellar is working towards functioning as a decentralized bank itself -- enticing users to keep their funds as XLM (rather than using it, like with XRP, simply to facilitate the quick transaction before it is converted back into Fiat again).
5 ) Stellar is also working towards operating as a decentralized exchange of other cryptos.
6 ) Unlike the xRapid (XRP) token (where Ripple also offers xCurrent, and is/will be introducing other modes of transactions); the Lumens (XLM) token *actually* has to be adopted to utilize the Stellar network.
7 ) IMO, the XLM token has been way oversold by now; due to the lack of "hype" and as impatient short-term speculators progressively decides to cash out.
8 ) The 1 Billion New XRP coins (held by added to circulation every month! The burn rate of approx. 3 XRP/min (e.g. approx. 129600 XRP/mth) isn't sufficient to counteract that.
9 ) The released coins are distributed to the banks/companies that uses the XRP network; whereas, XLM instead distributes the fees collected from transactions (to prevent DOS attacks) to the holders of XLM itself.
10) Unknown to many people, the XLM is *actually* also being increasingly adopted. But not big news as they are growing their presence in developing/third-world countries, and servicing the small business and the people there (especially foreign workers trying to send money home, etc.)
Stellar Lumens [XLM] might have hit bottom, their new wallet update to turn markets green?https://bitcoinwarrior.net/2018/03/stellar-lumens-xlm-might-have-hit-bottom-their-new-wallet-update-to-turn-markets-green/Analysis of Ripple, xRapid (XRP); and valid caution to investors who may hold unrealistic expectations.
https://www.youtube.com/watch?v=OF7PIh3di8E* Although with all that is said, I do believe the XRP price will likely grow in 2018 too; but I do not believe it has the potential for the same %gain that XLM still has -- even with all that partnerships that they are forming, and IF many of them eventually decides to switch towards utilizing the XRP token. The key reason is points #4, #6, #7, #8, and #9.
