Ripple spent years fighting the SEC while Stellar quietly built. Now both are commodities. But one is designed for YOU. The other? Still chasing banks.

Structure:

· The March 2026 commodity ruling leveled the playing field overnight

· SWIFT's new ISO 20022 era favors Stellar's open model over Ripple's walled garden

· XLM's market cap is $5-7B vs XRP's $80-120B — which has more room to run?

· Who wins when institutional money finally arrives?