Stellar is a competitor of Ripple (XRP). You are seeing a game of catch up here. People who missed out on XRP signed up for Stellar. You are seeing just how powerful hype can be, especially when it's on platform that makes sense to the average investor. Both XRP and Stellar offer more cost-effective solutions to big banks. It makes too much sense and sounds too good to be true, but anyone that has been in crypto for a long time knows that the solution is real. It's not a matter of if and when. It's a matter of WHICH solution banks pick. We live in a winner take all world, but for now, it's anyone's guess who might win.