As blockchain technology merges with traditional banking infrastructure, three ISO 20022-compliant cryptocurrencies stand out as frontrunners for future financial messaging and settlement: XRP, Stellar Lumens (XLM), and XDC Network (XDC). While each project has carved out its own niche, they’re often mentioned in the same conversation by investors and analysts looking for the next generation of global payment infrastructure.
In this deep-dive, we’ll explore how these three tokens compare in terms of speed, cost, real-world partnerships, regulatory clarity, and their role in a changing financial system. You’ll also learn how to instantly swap XRP, XLM, or XDC without sign-up using CoinoSwap — a non-custodial, privacy-focused crypto exchange aggregator.
Feature | XRP (Ripple) | XLM (Stellar) | XDC (XDC Network) |
|---|---|---|---|
Launch Year | 2012 | 2014 | 2019 |
TPS (Speed) | ~1,500 | ~1,000 | ~2,000+ |
Avg. Fee | ~$0.0005 | <$0.00001 | ~$0.0001 |
Primary Focus | Bank Liquidity & Settlements | P2P Remittances | Trade Finance & Tokenization |
Smart Contracts | No (sidechains developing) | Soroban in rollout phase | Full EVM Support |
Governance | Ripple Labs & validator list | Non-profit Foundation | Delegated PoS w/ masternodes |
ISO 20022 Status | Yes | Yes | Yes |
Supply Model | 100B (escrow controlled) | 50B (distributed widely) | 37.7B (delegated) |
Avg. 2025 Price | ~$2.30 | ~$0.27 | ~$0.05 |
XRP is the original interbank liquidity token — designed to eliminate cross-border friction in traditional banking. Developed by Ripple Labs, it enables banks to move liquidity in seconds, replacing outdated systems like SWIFT.
XRP is often favored by those who believe traditional banks and CBDCs will eventually settle using decentralized rails. With consistent placement in the top 10 by market cap, and widespread recognition, XRP remains a dominant player in institutional-grade blockchain.
Stellar Lumens (XLM) forked from XRP’s original codebase but evolved in a more open and user-focused direction. Instead of targeting institutions, Stellar focuses on NGOs, fintech apps, and the underbanked population.
If XRP is built for backend banking settlements, XLM is designed for the individual. It’s a platform that enables fast, cheap money movement across borders, and its track record with humanitarian aid programs gives it a unique advantage in emerging markets.
XDC Network is built for one of the largest markets in the world — global trade finance. Its hybrid public/private architecture is aimed at digitizing invoices, letters of credit, and real-world assets for institutional partners.
While less well-known than XRP or XLM, XDC’s enterprise adoption is growing quietly. It fills a gap for institutions needing compliance-ready infrastructure for tokenizing documents and value. As trade digitization gains steam, XDC could become essential infrastructure.
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Here’s a look at where things stand and where each token could be headed:
Token | Current Price | Potential in 2025 | What Could Fuel It? |
|---|---|---|---|
XRP | ~$2.30 | $5–$7 | Global bank usage and regulatory clarity |
XLM | ~$0.27 | $0.80–$1.20 | Fintech and humanitarian partnerships |
XDC | ~$0.05 | $0.25–$0.50 | Enterprise adoption in trade finance |
Investors and crypto communities continue to explore the differences between these three, especially when it comes to retail accessibility, institutional backing, and long-term relevance in a regulated financial ecosystem. It’s clear each token has a distinct role to play.
Each of these tokens solves a different problem:
Whether you’re a retail investor, a fintech enthusiast, or an enterprise architect — all three provide valuable exposure to different sides of the digital economy.
And with CoinoSwap, you can hold, exchange, or rebalance between them without complexity. No account needed, no waiting, no compromise.
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