The Stellar network is an open source, distributed, and community owned network used to facilitate near instant payments, with almost zero fees, and a smart contract platform to create digital asset economy. Stellar is used to build financial products that connect people everywhere. Stellar.org, the organization that supports Stellar, is centralized (controlled by one central place) like XRP and meant to handle cross platform transactions and micro transactions like XRP. Unlike Ripple, Stellar is a non-profit organization, their platform itself is open source and decentralized (without having one central area of command). Through the use of its intermediary currency XLM, a user can send any currency that they own to anyone else in a different currency.