Stellar vs. Ripple

Stellar (XLM) and Ripple (XRP), two networks aiming to improve the ease of completing transactions for payment providers and financial institutions, are often compared against each other. 


In fact, Jed McCaleb, Stellar’s creator, served as the Chief Technology Officer (CTO) of Ripple before leaving the project to create Stellar Lumens. 

ripple vs stellar lumens
Stellar (XLM)


Stellar was created to challenge traditional transactions by allowing its users to send money and assets globally, and was intended to target the unbanked.

Ripple XRP vs Stellar Lumens XLM

Ripple (XRP)

Ripple, in an effort to challenge traditional transactions, presented a new way of operating a blockchain’s transaction and records system for payment settlements, mainly targeting banks.

To gain a deeper understanding of the similarities and differences between the two, continue to read a detailed side-by-side comparison of Stellar vs Ripple below.

La diferencia entre Stellar y Ripple


Stellar fue creado con el objetivo de cambiar la forma en que las monedas y los activos se transfirieren a nivel mundial y se ha descrito como todo, desde una vía de pago hasta un exchange. 


La plataforma de Stellar incentiva una red distribuida de computadoras para ejecutar un software que permite a cualquier persona enviar dinero y activos de formas que tradicionalmente han estado en el dominio de los proveedores de pagos.


Stellar se diferencia de Ripple en sus intentos de posicionarse como una especie de exchange descentralizada, con un libro de pedidos incorporado que realiza un seguimiento de la propiedad de los activos de Stellar Lumens. Estos activos luego pueden negociarse en su plataforma entre usuarios que utilizan su criptomoneda XLM.


XRP was created to complement traditional payments by migrating transactions that occur today within financial institutions to a more open infrastructure.


In order for XRP to work, Ripple built the XRP ledger, a software that introduced a new way of operating a blockchain’s transaction and records system.


Similar to Bitcoin, the XRP ledger allows users to send and receive its XRP cryptocurrency using digital signatures.

Useful resources

If you are interested in learning more about Stellar and Ripple, please visit Kraken’s What is Stellar XML? and What is Ripple XRP? pages.


Want more in depth information on specific cryptocurrencies and blockchain projects? If so, visit our Learn Center to further your education on this ever-growing space.