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* Long term HBAR, ALGO * Medium term XLM * Short term DTOP, SALT, DGB, IOST, LINK HBAR because it surpasses almost everything else on speed, throughput, security, price per transaction, and utility metrics. XLM doesn't match HBAR and ALGO on some metrics but it has its niche. Most of these I first learned about from a youtube channel I follow. But have done a lot of research on HBAR.