Stellar vs XRP: The Battle for Cross-Border Crypto Payments in the Age of AI and P2P Technology

Stellar (XLM) Losing Ground in the Cross-Border Payment Race?

Stellar (XLM) has teamed up with the UNDP to expand blockchain-based financial access in developing regions. With over a billion digital wallet users, the project could drive adoption, but XLM's price remains shaky, hovering around $0.43 with a market cap of around $13 billion.

Can Stellar Compete with XRP?

While Stellar pushes for global reach, XRP (Ripple) still leads in institutional payments, backed by major banks and expanding On-Demand Liquidity (ODL) services. Stellar offers an open-source alternative focused on peer-to-peer transfers, but concerns over scalability and long-term adoption remain.

Ripple (XRP) Institutional Giant Under Fire as Competition Heats Up!

Ripple’s XRP Ledger DEX has handled over $1 billion in swaps, with steady daily volume showing growth. XRP's price jumped after Trump's election, as investors expect friendlier crypto rules. Hopes for an XRP ETF approval are rising, with analysts predicting it could bring billions in new investments.

Is Ripple in Trouble?

But XRP still faces challenges. While Bitcoin and Ethereum ETFs are already approved, XRP's status remains uncertain. Ripple is expanding with its RLUSD stablecoin and growing DEX activity, but regulatory delays and competition are closing in. Institutional adoption is rising, but its future in global finance is not guaranteed.

1Fuel (OFT) AI-Powered P2P Payments Set to Dominate

1Fuel (OFT) is changing crypto trading with its AI-powered P2P exchange, allowing users to trade directly without middlemen. This cuts fees, improves privacy, and gives full control over assets. Unlike centralized exchanges, 1Fuel supports cross-chain trading, meaning users can swap assets between different blockchains without extra steps.

A Game-Changer in Crypto Transactions

Smart contracts secure each trade, making transactions safer and more transparent. Instead of using traditional order books, 1Fuel’s exchange automatically matches trades while smart contracts act as escrow, ensuring both sides fulfill their deal. If issues arise, a decentralized arbitration system helps solve disputes fairly.

Secure Your 1Fuel Tokens Before Prices Rise!

The competition in crypto payments is getting stronger, and 1Fuel (OFT) is standing out with its AI-powered P2P exchange, low fees, strong privacy, and easy cross-chain swaps. While XRP and Stellar focus on banks and big institutions, 1Fuel is built for everyday users who want fast, secure, and direct crypto trades without middlemen.