Yes, Stellar is in my portfolio as well! How do you see Ripple? I am unsure of the value provided to the average coin buyer. RippleLabs is getting some nice partnerships with big banks such as Santander, but I think it is unlikely that the actual medium of transfer in the network is going to be the XRP coin. If that is the case, then XRP wouldn't XRP serve only as a financing means to RippleLabs?