Monero (getmonero.org) has many of the properties of cash on the internet. Definitely more so than Bitcoin. It's surprising how few cryptocurrencies take privacy by default seriously.
(I hold a whole $40USD in Stellar, I do however think it's a good thing. But I think there's space on the net for more than a couple of cryptocurrencies so I'm curious about Monero)
Stellar is way faster the XRPL even more so (1500Tx/s) but even then it can not be used to stream money. You dot want to go to a site and instantly donate 0.001cent you want to donate only if the content is good and the best way to measure that is by time. Hence Coil steams the money as long as you are on the site. That only works trough ILP not direly on ledger (on-chain). IPL can stream money from any kind of wallet. So it would work with Monero as well but its unlikely to gain traction as its key feature (anonymous) is rather useless in this case. and Tx are slow and expensive compared to XLM or XRP.