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Central Bank Utility: Ripple Exec Likens XRP and XLM to Pepsi and Coca-Cola

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  • A Ripple executive compares XRP and Stellar’s XLM to Pepsi and Coca-Cola, foreseeing their significant roles in the upcoming financial revolution in central bank utility.
  • Both cryptocurrencies exhibit similar functionalities and price movements, potentially setting the stage for a prominent position in the digital transformation of central banks.

XRP and XLM: The Emerging Giants in Digital Finance

In the realm of digital finance, a Ripple executive has made a bold prediction, likening XRP and Stellar’s XLM to the Pepsi and Coca-Cola of the central bank utility landscape. This comparison, disclosed by Francis Hunt, a veteran trader and technical analyst, on the Black Swan Capitalist podcast, highlights the potential of these two digital assets to become central figures in the financial revolution.

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The Parallel Paths of XRP and XLM

Both XRP and XLM have shown uncanny similarities in their price movements and underlying technologies. Jedd McCaleb, a key architect of the XRP Ledger (XRPL), founded the Stellar network in 2014 after his tenure at Ripple. This shared lineage has resulted in technological parallels between XRPL and Stellar‘s blockchain.

In their market behaviors, XLM has often mirrored XRP’s price trends. For instance, when XRP reached its all-time high of $3.3 in January 2018, XLM followed suit with a peak of $1.05. Similarly, subsequent price movements of XRP were closely echoed by XLM, including surges in April 2021 and other instances within the year.

Potential Roles in Central Bank Digitalization

The unnamed Ripple executive, as mentioned by Hunt, views XRP and XLM as playing similar yet pivotal roles in the burgeoning field of central bank digitalization. This analogy draws on their parallel functionalities and potential widespread adoption. The expectation is that, much like Pepsi and Coca-Cola have dominated the soft drink industry, XRP and XLM will carve out significant roles in the financial sector, particularly in central bank digital transformations.

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Geopolitical Implications

Hunt also hinted at the geopolitical dynamics of this adoption, where different nations, especially those with contrasting political alignments, might prefer one asset over the other. Despite this divergence, both cryptocurrencies are expected to offer similar utilities in the central banking sphere, facilitating a new era of digital finance.


The comparison of XRP and XLM to Pepsi and Coca-Cola by a Ripple executive paints a vivid picture of their expected impact on the future financial landscape, especially in terms of central bank utility. Their shared technological roots and mirrored market behaviors underscore their potential to become dominant forces in the evolving world of digital finance, driving significant change in how central banks operate in the digital era.

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Brian Johnson
Brian Johnson
A dedicated Bitcoin journalist passionate about uncovering the latest trends, developments, and innovations in the world of cryptocurrency, while delivering engaging and well-researched articles to inform and educate readers on the dynamic digital finance landscape.
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