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PayID is a protocol that connects siloed payment networks through a universal address. A PayID (e.g. alice$example.com) can map to the URL https://example.com/alice and resolve to Alice's address on an underlying payment network (e.g. bank or blockchain).
PayID
It's like an email address for payments
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Xpring is the open developer platform for money. It offers a set of tools, services and programs that makes it easier for developers to send and receive payments in any currency, across any network, using the XRP Ledger and Interledger Protocol.
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Xpring
The Open Platform for Money