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Why Stellar (XLM) is a better choice than XRP in 2026: analyst. Cross-border payments continue to shape the crypto conversation in 2026, and two names keep coming up whenever that topic appears. Stellar (XLM) and XRP both promise fast and low-cost transactions, yet their direction and purpose continue to separate them in meaningful ways. A closer look shows that XRP was built mainly for financial institutions. Ripple focuses on improving how banks move large amounts of money across borders. That design works well for institutional use, but it limits how much everyday users interact with the system. The perspective shared by Sylvian Guibal, known as Stellar XLM Holder, paints a different picture for XLM. His analysis points to a model built around individuals, small businesses, and regions where access to banking remains limited. That difference becomes important as crypto adoption spreads beyond traditional finance. What you'll learn Stellar Technology Development gives XLM A broader utility advantage over XRP. Technology becomes the next major dividing line between both assets. Transaction speed and cost appear similar on the surface, yet the underlying systems move in different directions. Sylvian Guibal explains that Stellar uses a Federated Byzantine Agreement system. That model allows more open participation in validation and removes the need for central control. XRP uses a system that still ties closely to Ripple's influence, which raises questions about how decentralized it truly is. The gap becomes more visible with smart contract functionality. Stellar introduced Soroban, which expands its capabilities into decentralized finance and tokenized assets. That upgrade allows developers to build more complex applications directly on the network. Ripple continues to explore sidechains and compatibility solutions. Those efforts exist, but they do not match the level of native integration seen on Stellar. That difference gives XLM a wider range of use cases beyond simple transfers. Decentralization and regulatory history continue to shape investor confidence. Another factor that keeps coming up in this comparison involves decentralization and regulatory exposure. XRP spent years dealing with legal pressure before reaching a settlement in 2025. That episode created uncertainty that still influences how some participants view the project. Sylvian Guibal highlights that Stellar avoided similar challenges. The network operates under a non-profit structure through the Stellar Development Foundation. That setup supports a more open system without a central authority controlling large portions of supply. XRP still maintains strong connections with institutions, which brings stability in one sense but also keeps it tied to traditional financial systems. XLM moves in a direction that aligns more closely with open blockchain ideals. Market cap difference shows why XLM holds more upside potential than XRP. Market size often determines how much room an asset has to grow. Current figures place XRP between $80B and $120B in market cap, with price near $1.30. XLM sits much lower, with a valuation between $5B and $7B and price around $0.16 to $0.22. Sylvian Guibal uses this gap to explain why XLM could deliver stronger returns. Smaller market cap assets tend to move faster during strong cycles. Historical patterns show that when capital flows into altcoins, lower-cap projects often expand more aggressively. That does not guarantee performance, yet it explains why attention continues to build around XLM when market conditions improve. Real world usage shows Stellar adoption growing in emerging markets. Adoption on the ground tells another important story. XRP continues to build partnerships with financial institutions, although many of those developments take time before they translate into daily usage. Stellar moves differently. Its network already supports remittances and microtransactions in regions across Africa, Latin America, and Southeast Asia. That activity connects directly to people who need low-cost financial access. Sylvian Guibal points to this usage as a key strength. The ecosystem supports stablecoins, tokenized assets, and payment rails designed for everyday use. That creates an environment where growth comes from real interaction, not only institutional agreements. The comparison between XLM and XRP ultimately comes down to direction. XRP continues to serve traditional finance as it evolves. Stellar builds toward a system that focuses on accessibility and open participation. Sylvian Guibal maintains that this difference defines the long-term outlook. XLM expands beyond payments into a broader financial infrastructure. XRP remains effective for institutional transfers, yet its role stays more limited in scope.

Finexity AG: Cashlink, FINEXITY and Tangany Launch Regulated Tokenized Capital Market Infrastructure on the Stellar Blockchain. Finexity AG/ Key word(s): Alliance/Miscellaneous Finexity AG: Cashlink, FINEXITY and Tangany Launch Regulated Tokenized Capital Market Infrastructure on the Stellar Blockchain 02.04.2026 / 11:33 CET/CEST The issuer is solely responsible for the content of this announcement. Cashlink Technologies GmbH, FINEXITY Group, and Tangany have jointly implemented an infrastructure project supported by the Stellar Development Foundation. The project's objective is to build and productively deploy a regulated, interoperable, token-based capital market infrastructure on the Stellar blockchain. The infrastructure developed as part of the project has already been deployed in a first real-world use case: the tokenized securities issuance for the Ratekau Solar Park in Germany is executed - technically and from a regulatory standpoint - via the shared infrastructure. The issuance volume amounts to up to EUR 3.0 million. This use case serves to validate the end-to-end setup under live market conditions. The project is realized under a grant from the Stellar Development Foundation, which specifically supports practice-oriented applications to further adoption and maturity of the Stellar ecosystem in institutional contexts Building a Productive Value Chain on Stellar The project covers the complete lifecycle of tokenized securities and integrates regulatory record-keeping, institutional custody, and issuance and settlement within a single, unified setup on the Stellar blockchain. Cashlink, as a BaFin-licensed crypto securities registrar, fulfills the core regulatory function and provides the technical and legal foundations for registry maintenance and issuance. Tangany complements the infrastructure with institutional custody solutions for the secure and regulatory-compliant safekeeping of tokenized assets. FINEXITY is responsible for the capital market-grade structuring and execution of the project in the form of a live issuance, contributing its distribution capabilities and settlement expertise to the shared infrastructure. The open architecture enables additional market participants to connect to the infrastructure, thereby contributing to a reduction of fragmentation in the DLT-based capital markets. The Stellar network is one of the leading blockchains for the tokenization of regulated financial products. Tokenized assets with a total volume of over USD 1.6 billion are currently represented on the network, including from institutional issuers such as Franklin Templeton, WisdomTree, and Spiko. With this issuance via FINEXITY, the Stellar ecosystem gains its first tokenized infrastructure bond from the regulated German capital market. Live Use Case on the Stellar Blockchain The infrastructure built as part of the project is already in productive use: via the FINEXITY platform, the tokenized bond for the Ratekau Solar Park of Green Vision Two is being issued. The project encompasses an open-field solar park in northern Germany with an issuance volume of up to EUR 3.0 million and total investment of approximately EUR 5.7 to 5.8 million, including bank financing. The solar park combines a photovoltaic system with 4.13 MWp installed capacity and an expected annual output of approximately 4.27 GWh with an integrated battery energy storage system (BESS) of the CATL TenerStack type, which can be charged flexibly from renewable generation or the grid. This extends the revenue logic beyond pure power generation and serves as an example of structured financing for real-world infrastructure projects via tokenized capital market instruments. "The Solarpark Ratekau bond issuance demonstrates how tokenized capital markets work in practice: institutional-grade, efficient, and accessible to investors starting at €50. The fact that three licensed German partners - Cashlink, FINEXITY, and Tangany - are now productively using the Stellar blockchain highlights the growing role of the Stellar network in European capital markets." - Malte Baumann, Director of Tokenization & RWA, Stellar Development Foundation Disclaimer This announcement does not constitute a public offering or a solicitation of a public offering of securities, particularly within the meaning of Regulation (EU) 2017/1129 (Prospectus Regulation). About FINEXITY FINEXITY (XETRA: FXT) operates in the digital assets space with offices in Germany, Switzerland, Liechtenstein, and the United Arab Emirates. Through its proprietary OTC platform infrastructure, FINEXITY connects over 50 issuers of tokenized private market investments with six trading partners and more than 84,000[1] registered investors. The platform enables access to a wide range of Private Market asset classes - including private equity, private credit, real estate, infrastructure, renewable energy, and collectibles. Trading partners include independent financial advisors, wealth managers, as well as German Sparkassen and Volksbanken. This infrastructure is complemented by an in-house capital markets team that supports issuers with efficient structuring and investment brokerage services targeting both retail and professional investors.Combining exchange infrastructure and capital markets expertise, FINEXITY provides the full value chain of tokenized securities - from structuring and tokenization to placement, OTC trading, and settlement. Over the past few years, the group has raised more than EUR 27 million in growth capital from business angels, strategic investors, and venture capital firms. 1FINEXITY Group: 14.000 + Effecta GmbH: 70.000; The figures shown are pro forma, unaudited, and provided for illustrative purposes only. The acquisition of 90.10 % of the Effecta GmbH remains subject to the successful completion of the ownership control procedure. More information at: www.finexity-group.com About Cashlink Cashlink Technologies is a regulated financial institution offering Europe's leading token-based capital market infrastructure. Cashlink provides comprehensive services for issuing and settling token-based securities, fully licensed as a crypto securities registrar and crypto custodian. Financial institutions partnering with Cashlink gain significant cost savings, efficiency, and competitive advantages through Cashlink ́s banking grade infrastructure. Backed by prominent venture capital investors like TX Ventures and strategic investors such as Helaba, Cashlink actively shapes the future of capital markets. This engagement includes participation in forums like the Digital Finance Forum of the German Government and founding memberships in associations such as the Bundesverband für elektronische Wertpapiere e.V... Cashlink is also a three-time winner of the FinTech Germany Award and is based in Frankfurt am Main, Germany.About Stellar The Stellar network is a decentralized, fast, scalable, and uniquely sustainable blockchain built for financial products and services. It offers builders smart contracts functionality and a protocol optimized for payments, with a design intended to keep fees low and to provide transaction speeds that can scale with increased adoption. Financial institutions and innovators worldwide issue assets and settle payments on the Stellar network, which has processed billions of operations with millions of accounts since the network was first launched.Media Contact FINEXITY Robin Tillmann Sascha Dettmar E-Mail: [email protected] E-Mail: [email protected] Mobile: +49 175 389 7878 Mobile: +49 151 1007 0566Media Contact Cashlink Julia Hösselbarth Senior Marketing Manager E-Mail: [email protected] 02.04.2026 CET/CEST Dissemination of a Corporate News, transmitted by EQS News - a service of EQS Group. The issuer is solely responsible for the content of this announcement. The EQS Distribution Services include Regulatory Announcements, Financial/Corporate News and Press Releases. | Language: | English | | Company: | Finexity AG | | / | Holzdamm 28-32 | | / | 20099 Hamburg | | / | Germany | | Phone: | +49 40 822 177 20 | | E-mail: | [email protected] | | Internet: | https://finexity-group.com/ | | ISIN: | / | | WKN: | A40ET8 | | Listed: | Regulated Unofficial Market in Frankfurt, Munich (m:access) | | EQS News ID: | 2303160 | | End of News | EQS News Service | 2303160 02.04.2026 CET/CEST Disclaimer Saving the news in databases or any forwarding of the news to third parties in a commercial context or for commercial purposes is only permitted with the prior written consent of EQS Group AG.

Stellar picks Zebec to power global stablecoin payroll across its ecosystem. * Guido Battigelli * Published: March 19, 2026 * 7:25 pm * Updated: March 19, 2026 * 7:25 pm Home > flash news > Stellar picks Zebec to power global stablecoin payroll across its ecosystem. Table of Contents Zebec announced its native integration on the Stellar network, marking the first deployment of its payment streaming infrastructure outside the Solana blockchain. The selection was made by the Stellar Development Foundation itself, which identified it as the ideal protocol to bring real-time payroll to its ecosystem. The integration allows companies to pay salaries per second, continuously, in USDC directly on Stellar. Instead of waiting business days for funds to become available, workers can access their earnings the moment they are generated, and spend or withdraw them via cards or local remittance networks. The deployment will take place in phases, beginning with core payroll functionality and expanding toward global payment rails with fiat integrations. A key component of the system is Stellar's connection with MoneyGram, which enables the conversion of digital dollars into local cash at more than 450,000 withdrawal points distributed across more than 170 countries. That means a worker paid in USDC can receive funds instantly while their family withdraws cash in minutes from Manila to Mexico City. Zebec has been collaborating with Stellar for over two years on card infrastructure, which made this integration an organic step toward full native functionality within the ecosystem. Disclaimer: Crypto Economy Flash News are based on verified public and official sources. Their purpose is to provide fast, factual updates about relevant events in the crypto and blockchain ecosystem. This information does not constitute financial advice or investment recommendation. Readers are encouraged to verify all details through official project channels before making any related decisions. Stablecoins TL;DR USDC on Ethereum expands 10.13% monthly, while USDT stagnates at 1.46%. Ethereum surged 20% as USDC supply accelerated, signaling institutional repositioning. Tether redirects $20M Stablecoins TL;DR: Injective announced it will integrate native USDC and Circle's CCTP protocol for cross-chain transfers without relying on third-party bridges. USDC supply is approaching $80 Bitcoin News TL;DR: Utexo, a blockchain infrastructure startup based in the UAE, raised $7.5 million in a seed round led by Tether. The platform enables native USDT TL;DR: Exceptional Performance: The USDC issuer's stock has doubled in value since early February 2026, significantly outperforming the S&P 500 and Nasdaq 100 indices. Bullish Stablecoins TL;DR USDC surpasses USDT in trading volume for the first time since 2019. Circle's stablecoin now captures 64% of adjusted stablecoin trading volume. Institutional capital Stellar Lumens News TL;DR Stellar Integration: Bitget Wallet is integrating the Stellar network to expand stablecoin-based payments and improve cross-border transfers using fast settlement and low fees. User Follow Crypto Economy on Social Networks Crypto Tutorials Crypto Reviews