XRP, HBAR or XLM? Why the New Financial System May Need All Three

The piece analyzes how Hedera (HBAR), XRP, and Stellar (XLM) could each serve different roles in a tokenized financial system, arguing there may be no single winner. It highlights XRP’s cross-border liquidity and real-world asset tokenization, Hedera’s enterprise-focused infrastructure and tokenization, and Stellar’s strength in remittances and stablecoin payments. The IMF and BIS context is cited, and real-world pilots like tokenized collateral on Hedera are noted as early indicators, not guarantees.