Co-founder of EasyA Shows Empathy over XRP's Oversight
In the ever-evolving world of cryptocurrencies, two standout players — XRP (Ripple) and XLM (Stellar Lumens) — continue to make waves in the global financial market, particularly in cross-border payments.
### Current Trends
XRP, a leading choice for institutional and retail investors, has benefited from regulatory clarity and strong partnerships with financial institutions. The digital asset, which currently trades at 2.86, has seen remarkable growth, with a price rally of up to 464% year-over-year compared to Bitcoin's 100%. XRP's daily trading volume exceeds $6 billion, reflecting its popularity.
On the other hand, XLM has shown impressive on-chain performance, with a surge of about 100% since early July 2025. XLM's total value locked (TVL) has surpassed XRP’s, and it boasts 80,000 daily active addresses compared to XRP's 33,000. However, XLM's overall market visibility and trading volume, at around $1.3 billion daily, lag behind XRP’s.
### Future Implications
The growth potential of XRP seems tied to continued institutional adoption, regulatory advancements, and the introduction of a dedicated XRP spot Exchange-Traded Fund (ETF). Achieving key price resistance points, such as $3 and possibly $10–$20 by late 2025, hinges on political stability and regulatory clarity across major markets.
XLM’s future appears promising due to its strong on-chain performance and growing use cases. However, it must overcome challenges related to lower market visibility and trading activity. If XLM capitalizes on its strong technical foundation and gains wider adoption in decentralized finance (DeFi) and cross-border solutions, it could challenge XRP’s dominance.
### Summary
In summary, XRP and XLM represent two utility-driven cryptocurrencies battling for dominance in global finance. XRP leads in market recognition and institutional adoption, while XLM gains ground through technical on-chain metrics. Their trajectories suggest both will remain significant players in the evolution of crypto-enabled cross-border financial services.
As the crypto market values cryptocurrencies with real-life applications more, XRP and XLM offer quicker, low-cost, and safer ways for international commerce. The shift towards utility-focused cryptocurrencies, exemplified by XRP and XLM, is a testament to this trend.
The evolving technology of blockchain in finance has led to the growth of utility-focused cryptocurrencies like XRP and XLM, demonstrating their potential in cross-border payments. XRP's institutional adoption and regulatory advancements could propel its prices toward key resistance points, while XLM's strong technical foundation and increasing use in DeFi and cross-border solutions might potentially challenge XRP's dominance. This shift towards utility-focused cryptocurrencies signifies a trend in cryptocurrency investing that values real-life applications.
