$XRP $XLM The relationship between precious metals and cryptocurrencies: an analysis of XRP and XLM
Precious metals like gold and silver can serve as metaphors for understanding the role of XRP and XLM in the global financial system.
- *Gold and XRP: Sovereignty and institutional settlement*
Gold has historically been the final settlement asset between nations and central banks. Similarly, XRP is positioning itself as a neutral asset for the instant settlement of large sums between banks, CBDCs, and payment systems, without exposure to foreign currencies. Its function is to facilitate settlement, not to replace money.
- *Silver and XLM: Circulation and everyday use*
Silver has historically been used for public trade, while gold was kept in institutions. XLM focuses on retail payments, remittances, microtransactions, and financial inclusion, especially in regions with limited access to banking services.
As regulation tightens and legacy systems fail, assets that solve cross-border settlement problems (XRP) and daily global payments (XLM) become increasingly valuable. Efficiency and utility will be key in the future, and these assets can thrive without excessive advertising.
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