The principle reason for Stellar’s inception was to remove the necessity for centralized array of” digital asset exchanges “. These are essential to the Bitcoin infrastructure as they are the things which allow people to actually facilitate business on the system.
Whilst the system has all the hallmarks of a Ripple clone( which shouldn’t be surprising, considers that it is benefactor was also involved with the early developed at Ripple ), it has several important differences, namely the relevant recommendations that it will remain a protocol despite having a large following& community.
In fact, current realities between the Ripple and Stellar methods is that they mostly began with the same codebase( as countless crypto jobs do ). The questions that the founders of Stellar had with Ripple was to do with its” critical consensus” code- which was removed solely and rewritten from the ground up for the new Stellar system.