I am happy you brought up Stellar as their main target is the unbanked and providing options for remittances at nominal costs. They approach this at a local level as opposed to Ripple who is focusing on inter banking transfers, essentially trying to replace the SWIFT system.
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Good reply. I have high hopes for Stellar. They are one to watch. I think they really have an achievable goal and a good use case for what they want to do. There is a great demand for near instant, low cost exchanges of money and assets. And because it can run behind the scenes of existing business models, I think it'll be going places.