Ripple and Stellar Both are not 100% Decentralized. Stellar Still Holds 80% of the XLM, some part of which are release to curb increase in price of Coin. So XLM price always remains low.

Ethereum has reached its potential now. It stupidity to build Payment apps using Ethereum. Stellar network is the future of Cross Border payment and with some support from community Stellar is Destined to dominate Coinmarket.

If you still have XLM, i don't want you to sell it. because it's price will increase soon and don't regret after selling it

I bought Ethereum not for the Love for Platform but for it's real use case.  I bought some 20ETH when it reached 90$ in 2018. I felt like I have to sell this now because price is almost 140$. But I feel ETH value will rise with time so I'm holding it for another 6 months.

I just have 4 STEEM. I'm new to Steemit and I like the kind of free Speech they provide, no restrictions to any kind of Posts. It feel good to be on Steemit

Last year Stellar prices went down by almost 70%. In December alone Prices came to 0.09$ . I did't lose hope and have bought some at that time with of about 2000$. In my quest to make profit i sold all when prices reached 0.12$ but prices started to raise to ).13$. At that time i thought i did a mistake but soon prices went down and within some days reached 0.10$. So the point is Nobody can predict the prices of Cryptocurrency. Only large investments and movement from $ to Altcoin can only its value.

I predict this value of around 0.11$ to 0.25$ will persist for longer than 2 months and i don't prices go above 0.20$ within 2 to 4 months.
So buy XLM only if you are a holder and not worried about Voilatility.