币界网报道：Ripple's XRP faces institutional dependency concerns as its price remains stagnant despite recent legal clarity, while Stellar's XLM surges 170% year-over-year with growing adoption. XRP transactions dropped 42% in Q4 2023 despite Ripple's partial SEC victory, raising questions about its utility beyond institutional use. Meanwhile, Stellar processed 6.3 billion transactions in 2023, powering cross-border payments for MoneyGram and Ukraine's aid distribution. Analysts note XRP's price remains tied to Ripple's ODL institutional flows rather than organic network growth, while Stellar's ecosystem expansion drives XLM's organic demand. Both networks continue competing in cross-border payments, with Stellar gaining traction through real-world partnerships.