According to Woofun AI, XRP issued by Ripple and XLM issued by Stellar experienced simultaneous severe setbacks in intense competition on international remittance and RWA tokenization tracks, with weekly declines both exceeding 12%.
Although ChatGPT's scenario analysis suggests that XRP has higher upward potential, network activity has not directly translated into price support, and the lack of actual investment demand has become a core contradiction at present.
On the 9th, CoinMarketCap data showed that XRP was priced at $1.11 and XLM was quoted at $0.15. The two weekly declines recorded 12.2% and 12.1% respectively, significantly outperforming Bitcoin, which fell only 3% during the same period. The stagnation in ETF funding has further dampened market sentiment.
According to data compiled by Woofun AI, the net capital inflow of XRP spot ETF was zero dollars, and its net asset size shrunk from US$1.51 billion on October 28 to US$1.34 billion on November 6. Although the cumulative net inflow remained at US$1.81 billion, the decline in asset value was mainly due to falling currency prices rather than large-scale redemptions. The on-chain ecosystem is fragmented: Token Terminal data shows that the market value of Ripple's stablecoin RLUSD increased by US$228.8 million in the past month, while the size of tokenized credit funds based on the XRP chain decreased by US$274 million. In contrast, although Stellar was included in MetaMask's default support network at the end of October, XLM has plummeted 25.1% over the past 30 days and has not stopped falling.
AI predictions for 2028 paint a very different valuation picture. According to the ChatGPT scenario analysis conducted on the 8th, the target price for XRP is $2.50 and XLM is $0.30, implying 125% and 100% increases from the current price, respectively.
However, there is a huge market capitalization gap to achieve this goal: if XRP reaches $2.50, its market value will need to expand to $158.8 billion based on current circulation, more than double the $70.6 billion previously analyzed, and the required market value will rise further as future circulation increases. For Stellar, if circulation were to increase to 35.4 billion units and the price hit $0.30, its market value would reach 10.6 billion US dollars, about double the current 5.3 billion US dollars. In the field of RWA tokenization, the tokenized assets on the XRP chain are around $5 billion, ahead of Stellar's $2.75 billion.
It is worth noting that even if the RWA market expands, it will not necessarily drive demand for native tokens. For example, although RLUSD enhances payment functions, it may not directly drive demand for XRP holding.
Short-term technical aspects are as critical as long-term observational indicators. AI analysis shows that XRP's 2028 price range is $0.65 to $5, with $1.37 (50-day EMA) and $1.57 (90-day high) acting as major resistance, and falling below $0.99 could trigger a deeper decline. Stellar's primary test is whether it can recover from the $0.20 mark. The future trend will depend on the increase in actual users and trading volume after MetaMask integration, as well as whether the cumulative net inflow of XRP spot ETFs can exceed US$1.81 billion, and whether the size of Stellar's tokenized assets can once again approach the level of the XRP chain. These variables will determine the final competitive pattern of the two major networks.