XRP ( XRP +0.81% ) and Stellar ( XLM +4.82% ) both promise fast, low-cost cross-border payments, but they chase different customers and profit pools, and their blockchains are used at very different rates.

So with $2,000 to put to work in your portfolio, which of the pair offers the stronger long-term case? Let's walk through how each chain aims to generate value and figure it out.

Ripple is building an institutional finance stack with XRP

XRP's pitch is that it's a blockchain-based tool for regulated financial institutions that need to transfer value across international borders, manage their tokenized assets , and conduct their trades within the crypto-financial system while using collateral that they're familiar with and have in ample quantities.

Ripple, XRP's i

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