$HBAR vs $XLM – Who is doing better in the comprehensive financial problem?

Both Hedera (HBAR) and Stellar (XLM) pursue the goal of financial inclusion, but their approaches are very different.

🔹 Stellar (XLM) focuses on cross-border money transfers: fast, low fees, suitable for remittances and unbanked individuals. Moving slowly but surely, embodying the essence of basic financial infrastructure.

🔹 Hedera (HBAR), on the other hand, targets large scale: businesses, banks, governments. Hashgraph technology provides high speed, stable fees, suitable for CBDCs and national financial systems.

👉 XLM goes wide – general users.

👉 HBAR goes deep – global financial infrastructure.

It’s not about which coin is "better," but rather who it serves.

Those looking long-term, who appreciate projects with real applications, should keep an eye on both.