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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
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.
Xpring
The Open Platform for Money