Ripple XRP and Stellar XLM are exchange networks and remittances. Using a common ledger managed by an independent network of validation servers that constantly monitors transaction records, these exchanges are not based on the heavy processing power of the computer and the energy that systems like Bitcoin do. Ripple XRP uses a HashTree system, while Stellar XLM works with the blockchain system. As such, they have the potential to significantly improve a number of services:
Insurance companies take a long time to verify requests, going through many stages of the bureaucracy that waste time, effort and hours of work. Using open source timestamp services such as Vrumi, requests can be analyzed in real time, saving huge amounts of resources to insurance companies.
Ripple XRP and Stellar XLM allow instant exchange of funds, thus revolutionizing the credit sector. Platforms like Wetrust use it to allow friends and families to pool money in a private or banking account. Likewise, numerous credit projects have been established, which will use HashTree fundamentals, combined with business analysis to establish more accurate risk prediction software, making the credit sector more accurate and offering better business rates.  3. Forecasting and trading
Ripple and Stellar's ability to transfer funds instantly has been noticed by the trading industry. Traditionally, buying and selling stocks takes time, which makes the process difficult, as prices remain dynamic during this liquidation period. A reduction or a complete removal of this intermediate waiting time will make the trade much more transparent and verifiable, as well as reducing costs.
4. Hedge Funds
The total value of hedge funds globally is about $ 3 trillion, often operating in a system where individuals collect their money in an investment. Transaction fees are high, transparency is low and liquidity is almost zero.
The decentralized nature of Ripple and Stellar means that investors from all over the world can trade together, using platforms to find people with aligned interests, creating better investments for everyone involved.