XLM
A payments network aimed at people the banks skipped.
Stellar (XLM) was created by Jed McCaleb after he left Ripple. The Stellar Development Foundation is a nonprofit. The network is built for issuing assets and moving them cheaply — remittances, local-currency tokens, and aid — more than for speculation.
Both are fast payment ledgers with no mining. XRPL grew up around institutional liquidity and on-demand liquidity. Stellar grew up around financial inclusion and anchored assets. They are cousins, not clones. On the show we cover both because the rails rhyme, and the differences matter.
Not financial advice. Knowing a ledger is not the same as buying the asset.