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Ripple is a private company based in California. Its blockchain infrastructure includes XRP, a digital currency, which has been successful enough to become the world’s third-largest by market capitalization.
Ripple’s project, however, is not just about its own blockchain and token. The company also develops software solutions that banks and remittance services can use to eliminate all or most of the friction in international transfers.
Also, it has a robust entrepreneurial leadership that seeks very aggressively to find strategic partners all over the world. More than 200 banks of all kinds and countries are either testing or using Ripple’s technology, some of them are also using Ripple’s XRP currency and, on average, a new bank jumps in Ripple’s wagon every week.
Stellar Lumens (XLM)
The Stellar Lumens blockchain project is supported by the Stellar Development Foundation which, unlike Ripple, is a nonprofit organization. The project’s currency is called Lumen (XLM). It’s been around since 2014, and its primary purpose nowadays is, like Ripple’s to facilitate cross-border transactions.
The project’s founder serves as the Foundation’s chief technological officer.
Stellar also seeks to recruit as many users for its payments technology, but it’s a new player compared to Ripple, so it’s been slower to secure meaningful strategic partnerships. With one exception: IBM.
Big Blue has chosen Stellar as the blockchain network it will use to develop all its blockchain projects. This is a massive hit for Stellar, and if you remember what IBM’s partnerships did to corporations like Microsoft or Intel, you can see why this could matter very much in how the story develops.
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