Ripple (XRP) vs Stellar Lumens (XLM): Will XRP and Stellar Lumens (XLM) Rise in the Next 5 Years

Since the emergence of Bitcoin and cryptocurrencies, we all look for the best and profitable cryptocurrency People compare different cryptocurrencies each other and try to find the better one. As TheOofy, we analyzed Ripple (XRP) and Stellar Lumens (XLM).

Will XRP Reach $100?

Ripple is the 3rd world cryptocurrency after Bitcoin and one of the most stable coins in the current bearish market. Despite growing slowly, it still enjoys trust of traders and investors. But is it good enough to reach $100? Let’s find out what’s so special about this cryptocurrency, read experts’ XRP price predictions, and calculate the real chances of XRP to hit $100.

With Ripple resisting the trends of the bearish market and growing in price, many investors have high hopes for making profits with XRP in the coming years. Can Ripple hit the 100 USD threshold? What are the chances of that? Let’s find out what XRP’s potential value is, and compare the opinions of Internet users and advanced traders.

What makes Ripple superb?

Unlike Bitcoin, Ripple was created for a different mission: this is an open-source protocol that enables cheap and fast transactions. Ripple was designed for institutional users and banks rather than individual users because it facilitates international transactions in a huge volume. While it sounds too ambitious, practice shows that Ripple does its work pretty well.

Ripple serves both as a currency and a platform: it helps people find each other and exchange literally any cryptocurrency, including Bitcoin and hundreds of other altcoins. The transaction fee is minimal – $0.0001. It was introduced to prevent DDoS attack and hackers.

It goes without mentioning it has a pretty high transaction processing speed: at the moment, Ripple is capable of processing about 1,500 operations. Unlike other cryptocurrencies, the platform works without blockchain — it uses the Ripple protocol consensus algorithm (RPCA) instead.

Ripple’s expected growth cannot be overestimated thanks to the huge list of banks that partnered up with it: Union Credit, Westpac, NBAD, UBS, Axis Bank, Yes Bank.

Why can Ripple’s 100 USD price prediction become a reality?

In the following years, Ripple will sell 55 bln XRP that is locked in escrow. Once the sale is finished, the vast majority of coins will help in banks, so usual investors won’t be able to purchase coins. Although there are billions of coins, the situation when an investor is ready to buy a coin at any price, say, $100 or $1,000, is possible. Deficiency can make XRP prices soar.

Major Ripple corporate investors

Another reason to assume that XRP can hit $100 is that Ripple is too sublime to fail. While Bitcoin hasn’t been properly adopted and is too slow, Ripple is making its way to the top at a steady pace. It will soon be the global currency circulating in world banks: the team is already doing business with American Express and Japanese banks.

So if you still wonder, “Will Ripple reach $100?” don’t doubt: Wall Street professionals and world banks are likely to boost its value considerably.

Will Ripple reach 100$? Here’s what numbers say

Yet, when estimating how high will Ripple go, we shouldn’t forget about real facts. Let’s do simple math.

Total Ripple Supply= 100,000,000,000 XRP

For XRP to be worth a $100 in future it should earn about 100,000,000,000 x $ 100 = $10,000,000,000,000 capital.

That’s $10 Trillion (Bitcoin’s current market cap is $213 bln).

How much is it now?


The U.S. GDP was about $18.46 trillion in 2016. With Apple worth $800 bln, you could buy 12.5 Apple companies for $10 trillion.

At the moment, no company has reached the market cap of even $1 trillion with Amazon, Google and Apple being race leaders. Compared to that, Ripple’s $17 bln market cap is nothing. To reach XRP $100 price, the company should do something impossible.

Most likely, Ripple 100 dollars threshold won’t be hit within the following five years — its total supply is too high. Yet, when it comes to Ripple price prediction 2030, such suggestions can apply.

Experts’ Ripple price forecast

What do professionals think about Ripple’s future?

Roman Guelfi-Gibbs, the CEO and Lead Systems Designer for Pinnacle Brilliance Systems Inc., reckons that the world needs time to digest the technological headwinds caused by altcoin. 2018 is only beginning — the true rise of Ripple will be witnessed in 2019.

Samson Williams, CSO of Ireland-based fintech firm SeedUp, says that Ripple isn’t a cryptocurrency but rather a new toy for banks. However, after 2018, it should get a bump.

Therefore, Ripple’s projected growth isn’t likely to be stopped, but it’s not so tremendous for the currency to get even to $50.

It’s time to unlock the potential: How high Ripple’s price can go?

As you can see, Ripple’s price prediction for 2020 and further is mostly positive: no one doubts that the cryptocurrency has enough potential to conquer the market. But when it comes to the cost of the asset, the future is unclear.

Even if you’re a very accurate and smart trader, you will never be able to predict the exact cost of crypto referring to its past. There are too many factors that count. Therefore, no one can say for sure how high could Ripple go. Check out the diversity of forecasts from

Bottom Line

So, can Ripple reach the 100 USD price? We never know how high can Ripple (XRP) can go. However, the numbers cannot be ignored: for the price to get to $100, the company should reach vertiginous heights.

No matter what, Ripple still remains one of the most attractive cryptocurrency investments in 2018. It is surviving in the current cryptocurrency market fever, and Ripple Labs are tight-lipped about their project. With substantial support from governments and banks, it can depose Bitcoin from the throne and turn into a versatile means of international transfers.

However, if the newly released XRP is sold to banks, getting it on the exchange market will be quite a challenge for regular users — deficiency can make XRP prices soar. Therefore, investing right now is the best decision you can make, but remember that you should invest only what you can afford to lose. In cryptocurrency, no one can give you any guarantees.

What is Stellar Lumens (XLM)?

Stellar emerged a few years later after Ripple with Jed McCaleb being one of the project co-founders. Stellar also deploys the use of blockchain to process payments. It is important to note that the code bases for Ripple and Stellar are all similar.

Stellar’s entire project goal strikes some similarities to Ripple. It seeks to enable international payment instantly and cheaply. Stellar stands out a bit because its primary focus is on individuals unlike Ripple’s target for institutions like banks. Stellar’s protocol is a bit more flexible than current payment options – such as PayPal. The fee of using Stellar’s service is low too – a merely 0.00001 XLM per transaction. Ripple’s XRP can also be purchased with Skrill.

The developers came up with Stellar Lumens or XLM as the native cryptocurrency. Stellar also had the biggest cryptocurrency airdrop to date – with $125 Million USD distributed among the people that verified their identity on

Stellar vs Ripple


When it comes to Stellar vs Ripple, we have had some fundamental similarities to point out. It is not a surprise that they strike some similarities considering that their code base is the same. Additionally, the two projects were co-founded by Jed McCaleb. It is important to note that Ripple and Stellar do not depend on miners. Lack of miners means that both projects stand out compared to other PoW cryptocurrencies.

Furthermore, the blockchain used by Ripple and Stellar claims to be decentralized. The truth is, the cryptocurrency enthusiasts have solid points when they claim that both of them are more centralized than decetralized.

However, both don’t permit running of nodes by the public. Developers of the project kept the nodes private and operate their nodes on many servers. When it comes to authentication of payments, the two projects use the distributed ledge. They have a reputation for instant payments at a lower cost.

Ripple and Stellar have prioritized keeping the value of the coins low. Maintaining the value will enable both projects to have affordable services with the aim of supporting cheap cross border payments. This is a significant difference to Bitcoin where coins are only released once the maximum has been achieved.

Key Differences between Stellar and Ripple

At a glance, Ripple and Stellar vary from each other based on their philosophies. Ripple developers focused on making the project the solution for banks to instantly and cheaply conduct cross border payments. On the other hand, Stellar focus on individuals. The project targets people in developing countries who lack access to financial services. According to Stellar’s developer McCaleb, he was motivated by his passion for helping people. A key difference between Ripple and Stellar is the fact that the Stellar code is open-source and can be found on Github. Unlike Ripple, which is built mostly for banks.

The two projects also differ on nodes consensus. A conses model is a system that is used to validate payments without the use of any intermediaries. For Stellar, it deployed a protocol dubbed Stellar Consensus Protocol. On the other hand, Ripple implements the Proof of Corrections protocol to validate payments. All these protocols are different from the popular PoW and PoS models popular among other crypto projects.

Which is the best project Stellar or Ripple?

Before determining the better holding in the Stellar vs Ripple debate, we have some factors to consider. After Bitcoin, Ripple’s XRP is the second valuable token after overtaking Ethereum. Because Ripple joined the market two years after Stellar, the latter has managed to ink key partnerships with more than 100 banks. Such collaboration plays a crucial role in enhancing the trust in Ripple while at the same time improving the project’s market liquidity. Generally, Ripple stands out due to its notable success. The platform has proven a point while attempting g to revolutionize the cross border payments system.

Stellar looks like an underdog when compared to Ripple due to its plan to enable affordable financial services across the globe. It is evident that Stellar still lags behind Ripple in terms of success, but it has managed to maintain its position in the market. The token is ranked sixth, but its among the cryptocurrencies with a good use case and usage around the globe. We also have a possibility that Stellar will attract more customers in the coming days as it sets base in developing countries. This model makes it easier for people to transact globally using XRP.


It is important to note that both Ripple and Stellar are on course to be among top global projects. Despite being a product of one individual, Ripple and Stellar have different ideologies with a concentration on a diverse customer base.

For the Ripple vs Stellar debate, it is only noble to note that each project comes with its strength and weaknesses. Before settling on any token, conduct research and decide on a project that will give you value for your money.

We believe that both project have a crucial role in the cryptocurrency field development and both would probably succeed. Which one will have a higher price in the future? That will depends on the business decisions each company will take, adoption and the user base of the companies. If you think about buying XLM or XRP – keep in mind that there’s a big risk as the market is extremely volatile these days. Source: and zerocrypted

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Disclaimer: The information on this site is provided for discussion purposes only, and should not be misconstrued as investment advice. Under no circumstances does this information represent a recommendation to buy or sell securities.