On a fundamental level, the difference is that winscp is based on certain protocols like SFTP and ships their own SSH implementation for that. XPipe uses your existing ssh CLI client to accomplish the same thing instead. This makes it more flexible as it integrates with your SSH local config out of the box. This also allows you to use any arbitrary terminal emulator to open connections, in contrast to WinSCP.

But there's also much more included in XPipe that you can't find in WinSCP. There is SSH tunnel support, container support like for docker, dynamic root elevation in a file browser session without having to restart, a scripting system, a VNC viewer, an RDP launcher, and more.