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    Dr. Kamilah Stevenson explains why she holds XLM just as much as XRP, and why the two were never competitors. She breaks down the origin most people don't know, that Jed McCaleb co-founded Ripple and helped create XRP before leaving to co-found Stellar and XLM, and how each network was built for a different job: XRP for large institutional cross-border settlement, Stellar for low-cost payments, remittances, and reaching everyday people. She covers the DTCC's decision to make Stellar the first public blockchain for its tokenized custodied securities, with XLM named as the settlement token, targeted for 2027, and the DTCC patent that names both the XRP Ledger and Stellar with a defined role for each. She stays honest about the 2027 timeline and what has and hasn't been proven yet. If you have a 7+ figure portfolio, get your free tax resource here: https://shorturl.at/xT1e9 ━━━━━━━━━━━━━━━━━━━━━━━━ CRYPTO & INVESTING TOOLS I USE ITRUST CAPITAL, Tax-advantaged IRA ($100 free funding) 👉 https://www.itrustcapital.com/go/kamilah CALEB & BROWN 👉 https://calebbrownaccess.com/ TANGEM COLD WALLET APP (10% off) https://tangem.onelink.me/MsTz/KAMILAH ━━━━━━━━━━━━━━━━━━━━━━━━ 00:00 Why I Hold Both XRP and XLM 01:09 The Man Behind XRP and Stellar 02:20 Why XRP and XLM Are Not Rivals 03:31 XRP for Institutions, Stellar for Everyday Payments 04:46 The Freight Train and Last-Mile Comparison 05:38 Why DTCC Chose the Stellar Network 07:08 What Is Expected to Launch in 2027 08:12 Why I See XLM as a Tool for Charity 09:24 How I Position XRP and XLM for Tax-Free Growth 10:38 Stop Choosing Coins Without Knowing Their Purpose ━━━━━━━━━━━━━━━━━━━━━━━━ Affiliate Disclosure Some links above are affiliate links. I may earn a small commission at no additional cost to you if you sign up through them. I only recommend tools and services I personally use and trust. Financial Disclaimer ⚠️ This content is for educational and entertainment purposes only and does not constitute financial, investment, tax, or legal advice. I am not a licensed financial advisor. Always do your own research and consult a qualified professional before making any investment decisions. Investing carries risk, including loss of principal. Roth IRA Note Roth IRA tax advantages depend on your individual circumstances and current IRS rules. Eligibility, contribution limits, and tax treatment may change. Consult a tax professional regarding your specific situation. #XRP #XLM #Stellar #Ripple #DTCC #Investing #wealthbuilding #crypto
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