RIPPLE and STELLAR is a network of real-time gross settlement system (RTGS), currency exchange and remittance. The Ripple Transaction Protocol (RTXP) or Ripple protocol and Stellar Protocol (SCP) protocols are built on Internet protocol and ledger consensus .
The native Ripple currency is called XRP. Ripple is supported by Ripple Labs company
www.ripple.comCurrency Stellar is Lumens (XLM). Stellar is supported by the Stellar Development Foundation (SDF) nonprofit body
www.stellar.orgBoth of these networks provide tokens that represent fiat currency, crypto currency, commodity or other unit of value such as frequent flier miles or even mobile pulses. Ripple and Stellar are distributed to public databases or ledgers that use a consensus process that allows the payment, exchange and remittance processes to occur in the distributed process.