By Menno — 13 years in crypto, 3 bear markets survived, zero paid promotions
Last updated: April 2026
Payments Risk Scores
The Payments category includes 11 cryptocurrencies with an average risk score of 18/100. The lowest-risk coin is currently Stellar.
All Payments Coins by Risk
| # | Coin | Score |
|---|---|---|
| 1 | XRP XRP | 14 |
| 2 | Litecoin LTC | 15 |
| 3 | Stellar XLM | 12 |
| 4 | Bitcoin Cash BCH | 32 |
| 5 | Dash DASH | — |
| 6 | COTI COTI | — |
| 7 | Alchemy Pay ACH | — |
| 8 | eCash XEC | — |
| 9 | Request Network REQ | — |
| 10 | Decred DCR | — |
| 11 | Nano NANO | — |
What Makes Payments Risky?
Payment tokens face moderate risk. They compete with both traditional finance and other crypto payment networks. Regulatory clarity is generally better for payment-focused projects, reducing one risk dimension.
Compare with Other Categories
Frequently Asked Questions
How risky are Payments cryptocurrencies?
Payment tokens face moderate risk. They compete with both traditional finance and other crypto payment networks. Regulatory clarity is generally better for payment-focused projects, reducing one risk dimension.
Which Payments coin is the safest right now?
Stellar (XLM) currently has the lowest risk score in the Payments category at 12/100.
How are Payments risk scores calculated?
Each coin is scored using up to 9 indicators including Risk Wave, RSI, ATH Distance, Bitcoin Dominance, Fear & Greed, ALT/BTC Ratio, BTC Production Cost, Funding Rate, and Token Unlocks. The composite score is a weighted average that updates every 6 hours.
How does Payments compare to other crypto categories?
Currently, Payments has an average risk score of 18/100. For comparison: DeFi averages 11, Infrastructure averages 10, Layer 1 averages 12.