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Stellar (XLS) is an open source, decentralized protocol for digital currency to fiat currency transfers which allows cross border transactions between any pair of currencies. Keybase messenger is suppoted by the Stellar Development Foundation and integrates a Stellar wallet.
Monero (XMR) is an open source cryptocurrency focused on privacy, decentralization and scalability. Unlike many cryptocurrencies that are derivatives of Bitcoin, Monero is based on the CryptoNote protocol and possesses significant algorithmic differences relating to blockchain obfuscation.
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