It is both of them used the same protocol and stellar is also a open source technology and the goals of stellar is to connect finanial institutio and reduce the cost and time crossed for transfers.
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Yeah they both look have the same similarities cause their founder is just the same.
But Stellar more focus on their personal payment and micro Payment and Ripple more focus on the bank processing.
But I prefer Stellar more than Ripple cause they are cheap and fast too ^^.
The transfer/withdrawal fee more cheap too. Hope someday Stellar can win against ripple