Stellar vs Monero: Key Differences (XLM vs XMR)
Complete side-by-side comparison of Stellar and Monero. Price, market cap, technology, and more.
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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.
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.
Price Evolution
Percentage change from start of period
XLM+18.79%XMR-8.80%Detailed Comparison
| Metric | XLM | XMR |
|---|---|---|
| XLM XMR | ||
| Price & Market | ||
| Price | $0.192 | $363.56 |
Price $0.192 $363.56 | ||
| Market Cap | $6.47B | $6.82B |
Market Cap $6.47B $6.82B | ||
| 24h Volume | $206.92M | $149.83M |
24h Volume $206.92M $149.83M | ||
| Volume/Cap Ratio | 3.20% | 2.20% |
Volume/Cap Ratio 3.20% 2.20% | ||
| Market Dominance | 0.00307028% | 0.00323759% |
Market Dominance 0.00307028% 0.00323759% | ||
| All-Time High | $0.876 | $797.73 |
All-Time High $0.876 $797.73 | ||
| ATH Date | Jan 3, 2018 | Jan 14, 2026 |
ATH Date Jan 3, 2018 Jan 14, 2026 | ||
| Performance | ||
| 24h Change | 3.63% | 12.85% |
24h Change 3.63% 12.85% | ||
| 7d Change | 6.75% | 3.33% |
7d Change 6.75% 3.33% | ||
| 30d Change | 18.79% | 8.80% |
30d Change 18.79% 8.80% | ||
| Supply | ||
| Circulating Supply | 33.75B | 18.76M |
Circulating Supply 33.75B 18.76M | ||
| Total Supply | 50.00B | 18.76M |
Total Supply 50.00B 18.76M | ||
| Max Supply | Unlimited | Unlimited |
Max Supply Unlimited Unlimited | ||
| Technology | ||
| Consensus | Stellar Consensus Protocol | RandomX Proof of Work |
Consensus Stellar Consensus Protocol RandomX Proof of Work | ||
| Block Time | 3-5 seconds | 2 minutes |
Block Time 3-5 seconds 2 minutes | ||
| TPS (Transactions/sec) | 1000 | 1700 |
TPS (Transactions/sec) 1000 1700 | ||
| Launch Year | 2014 | 2014 |
Launch Year 2014 2014 | ||
| Transaction Fees | ||
| Average Fee | < $0.01 | < $0.01 |
Average Fee < $0.01 < $0.01 | ||
| Fee Model | Stellar Consensus Protocol | Monero PoW, privacy fees |
Fee Model Stellar Consensus Protocol Monero PoW, privacy fees | ||
| General | ||
| Primary Use Case | Cross-border payments, Remittances | Privacy, Anonymous payments |
Primary Use Case Cross-border payments, Remittances Privacy, Anonymous payments | ||
| Founder | Jed McCaleb, Joyce Kim | Riccardo Spagni (fluffypony), Community |
Founder Jed McCaleb, Joyce Kim Riccardo Spagni (fluffypony), Community | ||
| Website | stellar.org | getmonero.org |
Website | ||
| Volatility & Risk | ||
| Drawdown from ATH | 78.1% | 54.4% |
Drawdown from ATH 78.1% 54.4% | ||
Why Stellar?- ✓Built for cross-border payments and remittances
- ✓Non-profit foundation with clear mission
- ✓Partnerships with MoneyGram and various banks
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
Stellar Risks
- ✗Slower adoption than initially promised
- ✗Limited smart contract capabilities
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
The Verdict
Both Stellar and Monero serve important roles in the crypto ecosystem. Stellar focuses on cross-border payments, remittances, while Monero is known for privacy, anonymous payments. Many investors choose to hold both as part of a diversified crypto portfolio.
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