Stellar vs XDC Network
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XLM is a broad remittance and stablecoin rail, XDC is specialized for trade finance; neither is on ISO's RMG member list
How Stellar and XDC Network differ
Stellar is a broad remittance and stablecoin rail, while XDC specializes in trade finance. Stellar's nodes choose their own quorum slices and the ledger updates every 5 to 7 seconds; its 5,000 TPS is a 2025 goal. XDC's 108 masternodes each stake 10 million XDC, and after the 2024 XDC 2.0 upgrade finality is deterministic at about six seconds with roughly two-second blocks; its 2,000 TPS is the project's own white paper figure. Stellar's network minimum is 0.00001 XLM per operation, while the XDC white paper describes fees as fractions of a cent and notes that XDC 2.0 raised them 50-fold. XDC is EVM-compatible, whereas Stellar's Soroban contracts are WebAssembly programs.
ISO 20022 standing: XLM vs XDC
Neither is on ISO's Registration Management Group member list. XDC's link is Impel, a XinFin product that describes itself as an ISO 20022 API for banks and corporates, which is the vendor's own description. Stellar is often described as a member but does not appear on the list, and its SEP-31 and SEP-9 standards are not ISO 20022 message formats. The site scores ISO integration 4 for XLM and 6 for XDC.
What to watch on each side
On the site's hand-set scorecard, XLM leads on speed (5 to 4), adoption (7 to 5), developer activity (7 to 6), regulation (7 to 4), and market strength (7 to 5); XDC leads on ISO integration (6 to 4). XDC's profile flags that bank adoption for letter-of-credit processing is unconfirmed and that its throughput and partnership figures are largely self-reported; Stellar's flags Soroban's early ecosystem and foundation-reported volumes.
Where XLM vs XDC differ
| Metric | XLM | XDC | Gap |
|---|---|---|---|
| TPS | 5,000 (target) | 2,000 (self-reported) | XLM lists 2.5x the throughput of XDC (not like for like: XLM is target, XDC is self-reported) |
| Finality | 5-7 seconds | 6 seconds | Same on average once ranges are averaged |
| Transaction fee | 0.00001 XLM minimum (100 stroops) | Fractions of a cent (project-stated) | Fee tier: XLM Negligible, XDC Very Low |
| Launch year | 2014 | 2019 | XLM is 5 years older |
| Market cap | $6.27B | $663.81M | XLM is 9.4x the size of XDC |
Key partners on our spec sheet: none in common (4 listed for XLM, 4 for XDC).
Specs are curated by hand and can lag real-world changes; market cap is live.
Scorecard: XLM vs XDC
Hand-set 0-10 scores, not benchmarks. How they work
| Dimension | XLM | XDC | Edge |
|---|---|---|---|
| Speed | 5 | 4 | XLM +1 |
| Adoption | 7 | 5 | XLM +2 |
| Developer activity | 7 | 6 | XLM +1 |
| Regulation | 7 | 4 | XLM +3 |
| Market strength | 7 | 5 | XLM +2 |
| ISO 20022 integration | 4 | 6 | XDC +2 |
30-day move, indexed to 100
Over the last 30 days XLM moved -3.6% and XDC moved +23.2%, so XDC finished 26.7 percentage points ahead of XLM. That is a 30-day snapshot, not a trend.
Deep Dive Verdict
The AI verdict for XLM 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 XLM vs XDC
Who runs XDC's validators, and how does Stellar differ?
XDC runs on 108 masternodes, each staked with 10 million XDC; its white paper says all 108 slots are claimed and about 130 standby nodes exist, and the XDC Foundation reported in June 2025 that Deutsche Telekom MMS launched a masternode. Stellar has no fixed validator list in that sense: each node chooses its own quorum set and threshold, and consensus emerges from overlapping quorum slices.
Do both networks have stablecoin integrations?
Both do. Circle announced on September 17, 2025 that native USDC and CCTP V2 were available on XDC Network. On Stellar, the SDF announced on September 18, 2025 that PayPal's PYUSD was live, and Societe Generale-FORGE announced its EURCV stablecoin there in February 2025.
Which has an exchange-traded product?
XDC: 21Shares launched an XDC Network ETP on Euronext on July 9, 2025, and XDC joined the MiCA Crypto Alliance on May 8, 2025, which is a private industry group, not a regulator. Stellar's profile records no ETP; its European regulatory item is Societe Generale-FORGE positioning EURCV as compliant with the EU's MiCA framework.
Can I convert or swap XLM 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 XLM. This site does not run swaps or recommend any platform; this is general information, not a recommendation.