Stellar facilitates near-instant payments between parties and its network…
Stellar facilitates near-instant payments between parties and its network includes “anchors,” which are trusted third-parties who help on-board network participants using traditional means like bank accounts and other fiat institutions.
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.