Pundit Says Watch This Now If You Own Any XRP or XLM

Investors often compare XRP and Stellar (XLM) because both cryptocurrencies target similar areas of the digital asset market, including cross-border payments and tokenized finance.

While each project has built a strong reputation over the years, crypto commentator Crypto X AiMan believes one stands out as the stronger investment opportunity for 2026. In a recent video shared on X, he outlined why he considers XRP the better choice while maintaining a positive outlook on both assets.

The commentator opened by explaining that many investors are deciding whether to increase their exposure to XRP or XLM after seeing comparisons between the two cryptocurrencies.

He noted that both networks support use cases such as cross-border settlements, central bank digital currencies (CBDCs), tokenized real-world assets, custody solutions, and decentralized applications. He also said both projects continue to work with major financial institutions while expanding their ecosystems despite recent market conditions.

🚨XRP vs. XLM! (Which Crypto is BEST in 2026?!)🚨

-XRP is up 18,000% while XLM is up about 6,400% since launching.
-XRP can 18X in price to reach Bitcoin’s market cap, and XLM can 10X to reach XRP’s market cap
-This is why I believe XRP is better than XLM in 2026

XRP’s Higher Growth Potential

Crypto X AiMan stated that he expects both XRP and XLM to reach new all-time highs during the next major market cycle. However, he stated that XRP offers greater upside based on market capitalization comparisons.

He explained that if XRP were to reach Bitcoin’s current market capitalization, its price could increase by approximately 18x, putting it near $20 per token. By comparison, he estimated that if XLM were to grow to XRP’s current market capitalization over the next few years, it could reach nearly $2 per coin, representing roughly a 10-fold increase.

Although he described both opportunities as attractive, he maintained that XRP provides the stronger potential return based on those projections. He added that this difference is one of the main reasons he remains more optimistic about XRP than XLM heading into 2026.

Historical Performance Supports the Preference

The commentator also pointed to historical performance to support his conclusion. He noted that XRP has appreciated roughly 18,340% since its launch, while XLM has gained approximately 6,395% over the same period. In his view, XRP has consistently delivered stronger long-term performance than Stellar.

He also highlighted that XRP achieved a new all-time high during the 2025 bull market, whereas XLM did not surpass its previous peak. He presented this as another factor investors should consider when comparing the two assets.

Despite favoring XRP, Crypto X AiMan repeatedly emphasized that he remains highly bullish on XLM. He described both cryptocurrencies as major holdings in his portfolio and encouraged investors to consider owning each rather than choosing only one. He suggested diversification could allow investors to benefit if one asset outperforms the other at different stages of the market cycle.

Even so, when asked which cryptocurrency he would choose if limited to a single investment in 2026, Crypto X AiMan’s answer remained clear. Based on historical performance, projected upside, and his overall outlook, he concluded that XRP is the stronger investment.