Just to add some info,
Stellar was founded by Jed McCaleb who also founded Ripple (and MT Gox). My understanding is that Stellar is very similar to Ripple. The difference is Stellar is a non profit organization and the target market is not banks it is the un-banked. They hope to bring a stable payment system people in countries with under developed or corrupt financial systems. I hold both Xrp and Xlm in my portfolio and In my opinion the two will rise together. I also believe that stellar could see more support from the decentralized purists who dislike Ripple. For me (not financial advice):
Ripple short
Stellar long
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