The Stellar network is an open-source, distributed, and community-owned network used to facilitate value transfers between different assets. Stellar aims to help facilitate the transfer of value between assets at a fraction of a cent, while aiming to be an open financial system that gives people of all income levels access to low-cost financial services. Stellar can handle both fiat and crypto exchanges. Stellar.org, the organization that supports Stellar, is centralized as #XRP $XRP  and is intended to handle cross-platform transactions and microtransactions such as XRP. However, unlike Ripple, Stellar.org is a non-profit and its platform itself is open-source and decentralized.