Why Analysts Are Backing This New Payment Token Over Ripple (XRP) and Stellar (XLM)

October 30, 2025 at 01:57 AM EDT

Recently, market watchers have been announcing and throwing their weight behind an emerging payment token over Ripple (XRP) and Stellar (XLM). While XRP and XLM are longstanding crypto payment tokens that have dominated the space, Remittix (RTX) is poised to eclipse them.

Why Investors Are Advising Against Investing In Ripple (XRP) And Stellar (XLM)

Ripple launched XRP primarily as a payment token, enabling people to adopt and accept it as a means of payment across different countries and borders. Over the past five years in the cryptocurrency market, XRP has lived up to its expectations and has become a dominant figure in the cryptocurrency payment space.

Ripple, despite being embroiled in a series of disputes with the U.S. SEC, had also continued to expand its payment corridor. Soon, its stablecoin, RLUSD, will be launched. Ripple has also applied for a banking license, which is currently under review.

Stellar (XLM) can also be described as the closest relative of Ripple, capable of low-fee, high-speed cross-border payments. As of January, the XLM price has increased by 355% this year, with predictions of further gains.

Investors who bought into XRP and XLM at their early stages recorded massive gains that flipped thousands of dollars into millions. While both are still relevant, they are also ignorant of a growing market in the retail sector, as well as SMEs for crypto payments.

During the past few months, crypto adoption has been on the high, with more countries and people becoming more open to accepting cryptocurrency. While XLM and XRP focused on institutional-level transactions, Remittix (RTX) is focusing on the retail and day-to-day transactions, an untapped market worth trillions.

Why Remittix Will Oust Both Stellar And Ripple

Remittix (RTX) is a PayFi platform built on the Ethereum blockchain. It provides seamless cross-border crypto-to-fiat transactions in over 30 countries and supports more than 40 cryptocurrencies.

The platform aims to bridge a $19 trillion payment gap between traditional payment systems and the cryptocurrency sector. Remittix also has a business API for freelancers, SME's, and international merchants to process crypto payments.

Remittix highlights: