Aside from technological changes that have differentiated it from Ripple inβ¦
Aside from technological changes that have differentiated it from Ripple in the years since its forking, this is the primary difference that needs to be understood when discussing Ripple and Stellar.
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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.