Pros
- All Bitcoin holders have been entitled to a portion of Stellar’s token supply.
Cons
- Hard to get for a common person, non existing market to spend Lumens.
Pros
- Stellar’s key differences are a small, controlled inflation rate and its intent (peer-to-peer as opposed to inter-institutional transactions).
Cons
- I have no idea about its shortcomings
Pros
- banks are adopting stellar recently so many banks partner shipped with stellar, The Stellar integration process is relatively straightforward. stellar transaction speed is best that bitcoin, steller is totally decentralized cryptocurrency
Cons
- the stellar wallet is not activated until we deposit 1 xlm to that wallet therefore people cannot use wallet like etherwallet
Pros
- The Mobile Branches feature enables bank agents to create branches by phone, expand business, but reduce the cost of rent space, electricity and water. Customers can send and receive money over the phone without regard to the bank / service provider, Stellar's system will deal with you.
Cons
- The algorithm for consensus building on Stellar is complex and hard to understand. You need to have at least 20 Lumens to keep your account active. I think that not good
Pros
- good project! This is a blockchain-enabled organization, programmed, and designed to deliver speedy, cheap yet highly-secure transactions facilities. Let’s consider this organization as a platform, where several plans become reality, change becomes constant and a whole community benefits.
Cons
- Low team
Pros
- Both Stellar (XLM) and Ripple (XRP) were spearheaded by Jed McCaleb.
Cons
- I think the rocket has only one window It is still too slow.
Pros
- Stellar also offers real-time transaction processing in two to five seconds. All transactions are encrypted. The network also features automatic exchange of currency, regulatory compliance, payment moves similar to email, once integrated is able to reach the world.
Cons
- The foundation is going to donate about 95% of the coins to individuals, organizations etc. What this really means is that there is no transparent/fair distribution of their currency. Contrast that to bitcoin - anyone can earn bitcoins through mining, which is a fair process of distribution.
Pros
- Send and receive money across borders, in short and low cost currency pairs. Providing micropayment services makes it easy for customers to pay for small, low value items without having to worry about high fees.
Cons
- The biggest problem I see is that the currency can't be mined, thus giving no real incentive for anyone to form a node on the Stellar network. Hence, I feel that Stellar will become a network of a few gateways, leading to low adoption and low trust in the network.
Pros
- You can become the lucky user of the Lumens’ give away. The Stellar Lumens network gave away already around 1.7 trillion lumens for free. They assure users that such a process is helping the network to grow bigger every year; The transactions are proceeded with a high speed; The Stellar Lumens network facilitates multi-currency transactions. The token XLM can be traded on every marketplace with all existing cryptocurrencies.
Cons
- Transaction charges on Stellar are 100 Stroops per operation. So if a transaction requires 3 operations the cost would be 300 Stroops. On the Stellar Forum, they say that 1 transaction-operation cost 100 Stroops = 0.00001 XLM. So is 1 Stroop = to 0.0000001 XLM or is it 0.00001 XLM. This is not clear on Stellar.org. So if the transaction cost is 0.00001 XLM x 100 = 0.001 XLM x a minimum of 2 operations = 0.002 XLM = $0.0006 or 6/100 of a US penny. This may seem like a small number, but with my business model an average transaction value is $0.50 USD and if Lumen went from $0.20 to $20.00 the cost would be $0.06 per transaction and that would be expensive for very small transactions. This is why I ask the community whether 1 Stroop is equal to 0.0000001 x XLM or whether it is 0.00001 x XLM?
Pros
- Partnerships announced in the last months of 2017, such as with IBM, generated renewed interest in Stellar, taking the price from a steady $0.02 to as high as $0.85. (Yes, that’s right… pretty stellar performance!)
Cons
- You must have minimum 5 XLM in the new transaction transaction.
Pros
- Stellar is a quasi-decentralized platform (I say this because it isn't as decentralized as, say, bitcoin....but I also view that as a positive because look at what the miners have done to bitcoin. a bazillion forks, refusal to upgrade the core because it will be less profitable for them, etc) that can be used peer-to-peer to send micropayments and develop dapps. It takes banks out of the equation. Think of it as a peer-to-peer ripple + an infinitely more scalable ethereum.
Cons
- you need to have at least 20 Lumens to keep your account active. It's not completely free like DAG coins can be (Raiblocks, IOTA). But it's so cheap that is barely an issue. So you follow Stellar since August 2014 and still think it has a very limited use case? 4 years is too long and you should be familiar with the project already...
Pros
- artners like Mifos and Moni both work to create banking solutions using Stellar technology.
Cons
- Initially, Stellar’s code was similar enough to Ripple that it functioned in much the same way. Stellar made a number of changes to the way consensus is reached, and this caused a minor fork in the Stellar blockchain in December of 2014.
Pros
- Ripple Labs aims to facilitate transactions between large financial houses while Stellar would prefer to be a highly in-demand cryptocurrency for seamless payments between people and merchants.
Cons
- In order to vote for himself, a user must hold .05% or more of the lumens supply. Everyone votes for a certain address, a portion of the weekly 1% inflation is delegated there, and then the voters take their share of the rewards. There are multiple pools which facilitate this, with XLMPool.com being among the largest.
Pros
- Perhaps most importantly, IBM is already using Stellar Lumens technology for processing cross-border transactions. Because IBM is an international market-leader, the future looks bright in terms of future partnerships.
Cons
- the Ripple team is simply bigger, and spread over multiple locations. The Stellar team is relatively smaller, and while this does not necessarily have serious implications, it does mean the Ripple team can perhaps work faster. In the cryptocurrency world where first-movers hold significant advantages, it is advisable to the Stellar team to increase the size of its team and operations. This will make the likelihood of success and industry dominance arguably larger
Pros
- A single transaction on the Stellar network costs 0.00001 XLM, you could process 100,000 transactions for 1 XLM (Currently $0.22), significantly less than current methods.On the Stellar network transactions are completed in 2-5 seconds, this is even faster than Ripple whose transactions take 5-10 seconds,As Stellar can be used as a bridging currency, it increases liquidity and allows for easier trading with lesser used currencies
Cons
- Cross-border payments, especially when processed through banks are currently very costly.Cross-border payments can currently take anywhere between 3 and 5 days to be settled due to the number of intermediaries often involved in the process.People using lesser-known currencies often struggle with liquidity issues – a lack of buyers and sellers in the market makes it very difficult to easily trade currencies.
Pros
- Stellar focuses on the peer-to-peer market and has seen a number of important partnerships arise, including IBM.
Cons
- Very important to know for new investors: one of the key differentiators between Ripple and Stellar is that Stellar has a yearly 1% inflation rate. Coins added this way are distributed democratically, with nodes voting for who should receive them. This is why there are more lumens today than there were at genesis in 2014.
Pros
- In comparison to the Ripple project, anyone can theoretically validate the transactions on the Stellar blockchain ledger. There are no restrictions. The Ripple ledger meanwhile is validated by a select group of validators. This decreases the decentralization aspect of the Ripple blockchain and effectively reinforces the very power structures of big banks that non-profit Stellar and many cryptocurrencies seek to overcome
Cons
- Stellar is a decentralized currency, while Ripple is a centralized currency. While true cryptocurrency ideologues prefer the Stellar project over Ripple for precisely this reason, the clients that the two projects cater towards (namely banks and other financial institutions) will appreciate the stability that comes with a more or less centralized system like Ripple
Pros
- To an investor, investing in Stellar would likely to be attractive. If banks replace their traditional means of international currency transfer with Stellar’s household technology, the value of XLM would likely skyrocket in price. There are very significant amounts of money involved in international bank transfers.
Cons
- Because Stellar is a fork of Ripple, there exists considerable controversy among cryptocurrency users which coin should be considered legitimate and which coin should be considered the fork. In terms of overall popularity, Ripple is currently miles ahead of the Stellar project. This can be attributed in part due to massive mainstream media coverage over the past year.
Pros
- XRP is decentralized. Ripple's interledger protocol is superior to anything trying to do the same thing on the market. SBI long term partner. 3/5 largest money transfer providers are confirmed partners. A large, strong team within marketing, developing and leadership. One of the older, most trusted coins out there. Santander, moneygram, Bank of England, Credit Agricole, LiamLiam are some partners just to mention a few.
Cons
- Only disadvantage is from an investment side since stellar aims to have a stable price which will probably be lower than what we would want it to be. Right now it appears the only disadvantage is that it's a pain in the ass to buy it. It needs to be as easy as putting in your debit card details and pressing "buy." I hope Coinbase adds stellar soon.
Pros
- Great project. Co-founder was co-founder of ripple, so he knows what he is doing. Very fast transactions, low fees, inflation and more and more.
Cons
- I think a little bit more marketing would be good for them.
