Given the high-risk nature of the cryptocurrency market as a whole, both XLM and XRP carry certain risks. However, if investors remain optimistic about the future of cross-border payments, they might consider incorporating both into their investment portfolios, though not at overly high proportions. The relatively low market capitalization of XLM suggests that it has significant growth potential, particularly in terms of technological innovation and ecosystem expansion, making it a complementary addition to an investment portfolio. XRP, despite facing regulatory uncertainty, could see its application within financial institutions expand if the litigation with the SEC ends favorably, which could positively influence its price. Investors should closely monitor the litigation developments and make appropriate allocations under manageable risks.