It will be difficult to predict which of the two cryptocurrencies will win if one disappears. Cryptocurrencies are volatile and unpredictable. Despite this, Ripple's XRP has a higher market cap than Stellar's XLM, $12 billion compared to $4 billion.
There is also the fact that Ripple has partnerships with many high-profile banks and continues to target financial institutions. As such, there is a great deal of money invested in Ripple, and those who are most interested have more money to spend. There are more than 100 banks working with Ripple already, a figure which includes RBC and Bank of America.

To make up for this advantage of Ripple, Stellar has the potential to allow for a cheaper and more seamless exchange of currencies, provided it has sufficient users to exchange currency regularly. Additionally, Stellar has the advantage of being more decentralized, which can prove useful if the world is moving toward decentralization, which seems to be the trend.

XRP (XRP) and XLM (Stellar Lumens) are both prominent cryptocurrencies designed for efficient and rapid cross-border transactions. Developed by Ripple, XRP primarily targets financial institutions, aiming to streamline international money transfers. It employs a unique consensus algorithm, reducing transaction times and costs. On the other hand, XLM, created by Jed McCaleb after leaving Ripple, focuses on inclusivity, targeting individuals and businesses. Stellar emphasizes financial inclusion, offering a decentralized platform for peer-to-peer transactions. While both coins share similarities in their mission to revolutionize finance, XRP leans towards institutional integration, whereas XLM strives for broader accessibility and decentralized financial empowerment.