I think even they are the same but stellar is better. stellar is a token for us. ripple is just for bank. but I think bank will use ripple tech not ripple token. so ripple token doesn't have high value l
Actually, an average Joe doesn't need to know or use cryptocurrency. If he could send his money to anyone in the world instantly with a negligible fee, why would he go out of his way and buy/store/use a cryptocurrency?