XRP makes use of a shared, single source reserve account. XRP is the digital asset native to xRapid. In contrast with XRP, XLM makes use of a reserve bank account which holds billions of dollars in crypto reserves managed by the issuer (i.e., Stellar). As shown in our TAPability white paper, this bank account allows for an efficient payment mechanism to be integrated into real-time clearing systems while still offering complete decentralization and security. These results are currently being tested on the ground through our distributed ledger partners over in Asia.
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