Stellar Lumens looks upon itself as a "decentralised consensus platform". Many see them as a potential competitor to Ripple (XRP).
The coin actually forked from Ripple and they have had a recent rally in price. There are some really smart people behind the project as well as pretty strong partnerships in the works (IBM etc).
https://www.coinbureau.com/review/stellar-lumens-xlm-2018/What are your guy's predictions for 2018? Would you consider this a long term Hodl? How would you pair this with the Ripple protocol?