Monero vs Stellar: Key Differences (XMR vs XLM)
Complete side-by-side comparison of Monero and Stellar. Price, market cap, technology, and more.
Share Monero vs Stellar
What is Monero?
Monero is the gold standard for privacy coins. Ring signatures, stealth addresses, and RingCT make transactions truly untraceable. Unlike Bitcoin where all transactions are public, Monero hides sender, receiver, and amount by default. Loved by privacy advocates, controversial with regulators.
What is Stellar?
Jed McCaleb co-founded Ripple, then left to build Stellar with a focus on financial inclusion. It targets remittances to developing countries where bank fees destroy the value of small transfers. Partnerships with MoneyGram and various central banks keep it relevant.
Price Evolution
Percentage change from start of period
XMR-18.99%XLM+23.57%Detailed Comparison
| Metric | XMR | XLM |
|---|---|---|
| XMR XLM | ||
| Price & Market | ||
| Price | $312.99 | $0.185 |
Price $312.99 $0.185 | ||
| Market Cap | $5.88B | $6.28B |
Market Cap $5.88B $6.28B | ||
| 24h Volume | $124.85M | $207.88M |
24h Volume $124.85M $207.88M | ||
| Volume/Cap Ratio | 2.12% | 3.31% |
Volume/Cap Ratio 2.12% 3.31% | ||
| Market Dominance | 0.00288949% | 0.00308363% |
Market Dominance 0.00288949% 0.00308363% | ||
| All-Time High | $797.73 | $0.876 |
All-Time High $797.73 $0.876 | ||
| ATH Date | Jan 14, 2026 | Jan 3, 2018 |
ATH Date Jan 14, 2026 Jan 3, 2018 | ||
| Performance | ||
| 24h Change | 1.63% | 5.69% |
24h Change 1.63% 5.69% | ||
| 7d Change | 6.24% | 19.02% |
7d Change 6.24% 19.02% | ||
| 30d Change | 18.99% | 23.57% |
30d Change 18.99% 23.57% | ||
| Supply | ||
| Circulating Supply | 18.77M | 33.93B |
Circulating Supply 18.77M 33.93B | ||
| Total Supply | 18.77M | 50.00B |
Total Supply 18.77M 50.00B | ||
| Max Supply | Unlimited | Unlimited |
Max Supply Unlimited Unlimited | ||
| Technology | ||
| Consensus | RandomX Proof of Work | Stellar Consensus Protocol |
Consensus RandomX Proof of Work Stellar Consensus Protocol | ||
| Block Time | 2 minutes | 3-5 seconds |
Block Time 2 minutes 3-5 seconds | ||
| TPS (Transactions/sec) | 1700 | 1000 |
TPS (Transactions/sec) 1700 1000 | ||
| Launch Year | 2014 | 2014 |
Launch Year 2014 2014 | ||
| Transaction Fees | ||
| Average Fee | < $0.01 | < $0.01 |
Average Fee < $0.01 < $0.01 | ||
| Fee Model | Monero PoW, privacy fees | Stellar Consensus Protocol |
Fee Model Monero PoW, privacy fees Stellar Consensus Protocol | ||
| General | ||
| Primary Use Case | Privacy, Anonymous payments | Cross-border payments, Remittances |
Primary Use Case Privacy, Anonymous payments Cross-border payments, Remittances | ||
| Founder | Riccardo Spagni (fluffypony), Community | Jed McCaleb, Joyce Kim |
Founder Riccardo Spagni (fluffypony), Community Jed McCaleb, Joyce Kim | ||
| Website | getmonero.org | stellar.org |
Website | ||
| Volatility & Risk | ||
| Drawdown from ATH | 60.8% | 78.9% |
Drawdown from ATH 60.8% 78.9% | ||
Why Monero?- ✓Strong privacy features make transactions untraceable by default
- ✓Uses RandomX PoW, favoring CPU mining and decentralization
- ✓Established since 2014 with a committed developer community
Why Stellar?- ✓Built for cross-border payments and remittances
- ✓Non-profit foundation with clear mission
- ✓Partnerships with MoneyGram and various banks
Monero Risks
- ✗Regulatory scrutiny due to association with illicit activities
- ✗Higher transaction sizes and fees compared to some competitors
- ✗Limited adoption outside privacy-focused user base
Stellar Risks
- ✗Slower adoption than initially promised
- ✗Limited smart contract capabilities
The Verdict
Both Monero and Stellar serve important roles in the crypto ecosystem. Monero focuses on privacy, anonymous payments, while Stellar is known for cross-border payments, remittances. Many investors choose to hold both as part of a diversified crypto portfolio.
Latest Articles about Monero
Share Monero vs Stellar
