Hedera vs XDC Network
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HBAR is a hashgraph network governed by a Council of up to 39 organizations and used for tokenization and CBDC pilots, while XDC is a masternode network built around trade finance; neither is on ISO's RMG member list, and XDC's ISO 20022 offering is the vendor-described Impel API
How Hedera and XDC Network differ
Both sell enterprise infrastructure, with contrasting governance. Hedera is overseen by a Council of up to 39 organizations with rotating, term-limited seats, while XDC's XDPoS relies on 108 masternodes, each staked with 10 million XDC. Hedera's documentation cites about 10,000 TPS with 3 to 5 second finality, and XDC's white paper cites 2,000 TPS with deterministic finality of about six seconds after XDC 2.0; both sets of figures are the projects' own. Hedera's fees are USD-denominated, $0.0001 for a base crypto transfer, while XDC's are described as fractions of a cent after a 50-fold increase in XDC 2.0. Both have private-network options: Hedera's HashSphere, unveiled in March 2025, and XDC's hybrid design accommodating public and permissioned environments.
ISO 20022 standing: HBAR vs XDC
Neither is on ISO's Registration Management Group member list. Hedera's own documentation does not list ISO 20022 among its properties, and its Consensus Service is a capability, not a certification. XDC's Impel is described on its own site as an ISO 20022 API for banks and corporates, which is the vendor's description. The site scores ISO integration 3 for HBAR and 6 for XDC, in line with the tiers: HBAR is Adjacent (no sourced ISO 20022 messaging product) and XDC is Aligned (a vendor-described API).
What to watch on each side
Hedera's profile says Council membership does not equal usage and points at HashSphere. XDC's says bank-scale letter-of-credit adoption is unconfirmed, with adoption and market strength each scored 5. On the site's hand-set scorecard, HBAR leads on speed (7 to 4), adoption (7 to 5), developer activity (8 to 6), regulation (7 to 4), and market strength (6 to 5); XDC leads on ISO integration (6 to 3).
Where HBAR vs XDC differ
| Metric | HBAR | XDC | Gap |
|---|---|---|---|
| TPS | ~10,000 (Hedera-reported) | 2,000 (self-reported) | HBAR lists 5x the throughput of XDC (not like for like: HBAR is Hedera-reported, XDC is self-reported) |
| Finality | 3-5 seconds | 6 seconds | HBAR finalizes about 1.5x sooner (range midpoints) |
| Transaction fee | $0.0001 base crypto transfer | Fractions of a cent (project-stated) | Fee tier: HBAR Negligible, XDC Very Low |
| Launch year | 2018 | 2019 | HBAR is 1 year older on the spec sheet (Hedera's mainnet went live in early access in 2018 and opened to the public in 2019) |
| Market cap | $3.67B | $651.85M | HBAR is 5.6x the size of XDC |
Key partners on our spec sheet: none in common (5 listed for HBAR, 4 for XDC).
Specs are curated by hand and can lag real-world changes; market cap is live.
Scorecard: HBAR vs XDC
Hand-set 0-10 scores, not benchmarks. How they work
| Dimension | HBAR | XDC | Edge |
|---|---|---|---|
| Speed | 7 | 4 | HBAR +3 |
| Adoption | 7 | 5 | HBAR +2 |
| Developer activity | 8 | 6 | HBAR +2 |
| Regulation | 7 | 4 | HBAR +3 |
| Market strength | 6 | 5 | HBAR +1 |
| ISO 20022 integration | 3 | 6 | XDC +3 |
30-day move, indexed to 100
Over the last 30 days HBAR moved +10.7% and XDC moved +21.5%, so XDC finished 10.8 percentage points ahead of HBAR. That is a 30-day snapshot, not a trend.
Deep Dive Verdict
The AI verdict for HBAR vs XDC is not published yet.
Not financial advice. Scores are hand-set and the verdict is AI-generated. Do your own research.
Questions about HBAR vs XDC
Which network is older?
By mainnet, Hedera's went live in early access on August 24, 2018 and opened to the public on September 16, 2019, while the XDC white paper dates XDC Network's mainnet launch to June 1, 2019, so Hedera's early-access launch came first. By company, XinFin Fintech Pte. Ltd. was incorporated in June 2017. The spec sheet lists 2018 for Hedera and 2019 for XDC.
Whose names are behind each network?
Hedera's Council includes Google, IBM, Dell, LG Electronics and Tata Communications, with Repsol joining in December 2025. XDC's named partners are trade-finance oriented: TradeFinex, R3 Corda, SBI VC Trade and Impel on the spec sheet, IMDA TradeTrust in its white paper, and Circle, which announced USDC support in 2025. The XDC Foundation reported that Deutsche Telekom MMS launched an XDC masternode, and the spec sheet also lists Deutsche Telekom as a Hedera partner, so the name appears on both sides.
Which has real-world usage numbers?
Neither profile gives comparable on-chain volume. XDC's profile cites items the foundation reports itself, such as Bitso's US-to-Mexico payments and Mercado Bitcoin's initial $12 million of fixed-income tokens. Hedera's profile notes that Council membership does not equal active on-chain usage and points to pilots such as Archax collateral and Project Acacia.
Can I convert or swap HBAR to XDC?
Yes, through an exchange or a crypto-to-crypto swap service that lists both coins. Before you swap, compare the fees and the exchange rate, send each coin on the right network to the right address, and check the platform works in your region. Same steps for XDC to HBAR. This site does not run swaps or recommend any platform; this is general information, not a recommendation.