NEAR Protocol vs XRP Ledger

NEAR Protocol4.1/5

VS

XRP Ledger3.9/5

Feature	NEAR ProtocolVisit	XRP LedgerVisit
Ratings
Our score	4.1/5	3.9/5
User rating	No reviews yet	No reviews yet
Performance	4.5	4.5
Fees	4.5	5.0
Ecosystem	3.5	3.0
Decentralization	4.0	3.5
Developer experience	4.0	3.5
Specs
Layer	Layer 1	Layer 1
Consensus / design	Proof of Stake	Other
Native token	NEAR	XRP
EVM compatible	No	No
Smart contract languages	Rust, JavaScript	Not disclosed
Block time	600ms	3-5 seconds
Typical transaction fee	Not disclosed	0.000011 XRP
Finality	1.2s	3-5 seconds
Mainnet since	2,020	2,012
Throughput (TPS)	1000000	Not disclosed
Sequencer	Not applicable	Not applicable
Data availability	NEAR Protocol	Not disclosed
Gas paid in	NEAR	XRP
Company
Founded	2020	2012
Headquarters	Switzerland	—
Investors	Andreessen Horowitz, Accomplice, Metastable Capital, Arrington Capital +6	Not disclosed
Strengths and weaknesses
Pros	Fast 1.2-second transaction finality with 600ms block times Cross-chain swap execution across 35+ separate blockchain networks Sub-cent execution fees on NEAR Intents transactions Annual token issuance reduced from 5% to 2.5% in October 2025	Continuous mainnet operation since 2012 with over 14 years of uptime Fast settlement reaching finality in 3 to 5 seconds Predictable base transaction cost of 0.000011 XRP Native token issuance and order-book DEX built into base protocol
Cons	Not natively EVM-compatible at the primary Layer-1 execution level Cross-chain intents face reorg exposure on connected networks, including a $600K incident in April 2026 Historical exploits in third-party ecosystem contracts, including $3M lost on Skyward Finance in 2022	Not EVM compatible, preventing direct deployment of Solidity smart contracts Validator coordination relies heavily on curated Unique Node Lists
Best for	Developers writing smart contracts in Rust, Users swapping across chains without manual bridges, Teams deploying autonomous AI agent systems	Institutional cross-border payment providers, Real-world asset issuers, Fintech developers seeking simple payment APIs

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