Are you still taking questions regarding Ripple & Stellar?

Your info is very intriguing. I have one or two questions, if you feel comfortable answering. If not, no worries!

You said Ripple & Stellar are the keys to the new financial system. Ripple (XRP) will handle Cross-Border transactions to hold up the legacy fiat system before we segue into a completely digital economy with the Lumen as the one-world currency. Makes a lot of sense.

So does Stellar's success come at a much later date to XRP's? There's a lot of agitation amongst the XRP community regarding Stellar's recent success, and given that Stellar are also set up to handle cross-border payments, it has a lot of people confused regarding the short-medium term value proposition of both coins.

If Central Banks will first begin to host their own coins on the Stellar network, doesn't that mean that the Lumen won't be used until a much later date?