Just curious—both chains claim payment rails and ISO 20022 compliance, but:
Algorand is 90× cheaper per tx and achieves finality in ~3s with no forks. It has over 1,900 validators and on-chain governance. XRP’s cap is huge—ALGO only needs a small move to outperform percentage-wise.
I get XRP has the name recognition, but on paper ALGO’s faster finality (~3s), cheaper fees, carbon-negative footprint, and full decentralization make it just as strong for payments. It’s already running CBDCs and RWAs for governments. Is it just legacy partnerships and marketing, or is there something it can actually do that Algorand can’t?
submitted by /u/Numerous_Wonders81
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