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XDC Network and Stellar side by side: live price and market cap, consensus, speed, smart contracts, fees, supply and what each actually has to do with ISO 20022. Every fact links its source.
XDC
XLM
CoinGecko · updated 10 min ago
| Fact | XDC Network | Stellar |
|---|---|---|
| What it is | Layer-1 blockchain (EVM-compatible) xinfin.org | Layer-1 blockchain; lumens (XLM) are its native asset stellar.org |
| Launched | Mainnet 1 June 2019 xinfin.org | 2014 stellar.org |
| Consensus | XDPoS 2.0: delegated proof of stake with 108 masternodes, Chained HotStuff BFT (since 30 Sep 2024) xdc.org | Stellar Consensus Protocol (federated Byzantine agreement) developers.stellar.org |
| Block / ledger time | About 2 seconds xdc.org | About 5 seconds per ledger stellar.org |
| Finality | About 6 seconds (three blocks), deterministic xdc.org | Records written to the ledger are final stellar.org |
| Smart contracts | EVM (Solidity) docs.xdc.network | Soroban (Rust compiled to WebAssembly), live since 19 March 2024 stellar.org |
| Fees | Paid in XDC. Since the Cancun upgrade (30 Jan 2026) the base fee of every transaction is burned; the tip goes to the block producer. xdc.dev | Fees collect in a network fee pool that no account can access; validators are not paid developers.stellar.org |
| Maximum supply | None: supply is uncapped (37.5 billion XDC at genesis, plus masternode rewards) xinfin.org | Not stated by the project |
| Who develops it | XinFin Fintech Pte. Ltd. (Singapore, 2017); XDC Foundation (Cayman Islands, 2021) xinfin.org | Stellar Development Foundation (non-profit, USA) stellar.org |
| Stated focus | Trade finance, real-world asset tokenization and enterprise applications xdc.org | Access to the financial system: payments and remittances stellar.org |
"Cryptocurrencies are not inherently ISO 20022 compliant. There is a lot of confusion and misleading information on the web referring to ISO 20022 compliant cryptocurrencies but those statements are not correct. The cryptocurrencies are not managed and not registered by ISO 20022."
ISO 20022 Registration Authority iso20022.org
Documentation and an ecosystem messaging API; no formal role in the standard and no bank integration named in primary sources.
No formal role; one third-party bank network on Stellar uses ISO 20022 messaging.
Facts checked 3 Oct 2026 against each project's own documentation; each fact links its source. Prices: CoinGecko, live.
XDC Network is layer-1 blockchain (evm-compatible) focused on trade finance, real-world asset tokenization and enterprise applications. Stellar is described by its developers as: layer-1 blockchain; lumens (xlm) are its native asset, with a focus on access to the financial system: payments and remittances.
"ISO 20022 coin" is a market label, not a certification: the ISO 20022 Registration Authority says cryptocurrencies are not registered by the standard (iso20022.org FAQ). For Stellar: No formal role; one third-party bank network on Stellar uses ISO 20022 messaging.
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