No doubt XRP have good potential but problem with Ripple is it is only targeting big financials institution....on the other hand stellar have much more potential than XRP because it is targeting big as well as small financial institution especially in africa continent and supply of XLM is limited to 1% per year. I see stellar as a better option over micro payment and remittance over XRP and.it is more competitive with XRP in term of transaction time and cost.