Am I wrong os Stellar is the descentralized Ripple?

https://www.finder.com/ripple-vs-stellar-lumens

'Ripple vs. Stellar: How they work
Stellar was initially based on Ripple systems, with the aim of redesigning the global economy for more inclusiveness. But citing the complexity of the system, Stellar later redesigned itself with a brand new system of its own.

Both facilitate international payments but do so in very different ways.'