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XRP and XLM are uniquely classified as institutional banking blockchains, distinct from public cryptos like Bitcoin and Ethereum.

Market News
05 Oct 2026
Dailycoin
View Source
Neutral
XRP and XLM are uniquely classified as institutional banking blockchains, distinct from public cryptos like Bitcoin and Ethereum.

Documents from financial institutions show XRP and Stellar Lumens (XLM) are categorized as specialized blockchain protocols designed for banks and institutional finance, unlike Bitcoin and Ethereum which serve broader public networks. These protocols are positioned for settlement and payment infrastructure with features like fiat support and fast transactions. This classification highlights their architectural role in regulated financial systems but does not guarantee market dominance. The distinction underscores XRP and XLM's early design focus on institutional use, a point often revisited in crypto discussions about banking adoption.

XRP and Stellar Lumens (XLM) continue to show distinct trading patterns on Pluang, with XRP priced at Rp26.886 and a slight 1-day decline of 0.04%, while XLM is at Rp3.838, down 2.04%. XRP has a market cap of Rp1.694,45 trillion and a balanced order activity leaning slightly towards buying, whereas XLM sees more selling pressure with 72% sell orders. These figures highlight ongoing investor interest in these specialized banking protocols as of Oct 06, 2026 03:02 WIB.

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