Don't forget to mention that their consensus algorithm simply doesn't work. That's why they made it 100% centralized "temporarily" (without even asking, so apparently it was 100% centralized even before that). They themselves said exactly that in a blog post. Also, the creator of Ripple dumped all his coins before joining Stellar.

Here's the Stellar team's blog post about this. While there's no attempt to conceal this, it's also not being spelled out clearly enough: the Ripple/Stellar "consensus" model is a centralized and does NOT provide the guarantees which Proof-of-Work does in Bitcoin.

https://www.stellar.org/blog/safety_liveness_and_fault_toler...