Are xrp and xlm competitors?

Sort of, however not actually. XLM maker Jed MCCaleb was additionally one of the XRP makers , alongside David Schwartz and Arthur Britto. Side note: Here's a pleasant game, check whether you can track down an image of Arthur Britto. At any rate, the XRP makers had some kind of dropping out, and Jed left and made XLM. They can fill a similar role, pretty much, however they've been on their own way's. An improved on rendition would be that XRP's makers have been working with the universes biggest banks, monetary players, national banks and so on, and laying installment rails all over the planet to build up a practical trade for SWIFT in the cross boundary field. I figure XLM will probably wind up dealing with all the more retail use.