Side-by-side reference

Monero vs XRP

A practical, data-led overview of how these two networks differ in architecture, throughput, and execution.

Monero · XMR
XRP · XRP
Reference snapshot · July 2026

Quick comparison

Pick the metric that matters to you

Compare by

Monero lists the higher published transaction capacity.

Monero1,700 TPSHigher reference value

XRP1,500 TPS

This is a directional comparison of the reference data below, not investment or performance advice.

Reference table

The numbers at a glance

Values are useful for orientation; they do not measure live network performance.

Metric	Monero	XRP
Layer	L1	L1
Native token	XMR	XRP
Published max TPS	1,700	1,500
Block time	120s	4s
Average transaction fee	$0.001	$0.0002
Consensus	PoW	RPCA
Execution	Limited	Limited
Smart contracts	No	No
Staking rewards	—	—

Architecture and execution

Monero is listed as a Layer 1 network and does not list smart-contract support. XRP is listed as a Layer 1 network and does not list smart-contract support.

Their consensus entries also differ: Monero lists PoW, while XRP lists RPCA. That distinction describes how each network is designed; it is not a standalone quality score.

Capacity and confirmation cadence

Monero lists the higher published capacity: 1,700 TPS.

XRP lists the shorter block time: 4s.

Published capacity and block-time figures are useful reference points, but they are not equivalent to observed throughput, finality, or application-specific performance. Evaluate the workload, settlement requirements, and tooling before drawing a conclusion.

Costs and participation

XRP lists the lower reference fee: $0.0002.

Monero has no staking-reward rate in this reference dataset. XRP has no staking-reward rate in this reference dataset.

Fees and reward rates can change with network conditions and policy. Treat the entries here as a comparable snapshot, not as live pricing or a return forecast.

How to assess the trade-off

Start with execution compatibility: Both networks share the same EVM compatibility status.
Then compare the reference values that matter to the application: capacity, block time, and transaction fee.
Finally, review each network’s documentation, security model, ecosystem, and current operating conditions before deploying capital or production software.

FAQ

Common questions

Which network has the higher published TPS?

Monero lists the higher published capacity: 1,700 TPS.

Which network has the lower reference fee?

XRP has the lower reference fee in this dataset.