Stellar, or Stellar Lumens, is an open-source, decentralized protocol for digital currency to fiat money low-cost transfers which allow cross-border transactions between any pair of currencies. The Stellar protocol is supported by a Delaware nonprofit corporation, the Stellar Development Foundation, though this organization does not enjoy tax-exempt status with the IRS. Ripple is a for-profit, Stellar is a non-profit. Ripple helps financial institutions, Stellar helps individuals. I like Stellar's purpose more but not because it's a non-profit, because it makes everyone able to move their money, hold every asset without needing banks in their transactions.
Transactions among accounts occur not through mining but rather through a consensus process among accounts in quorum slice. The current network fee is 100 troops, equivalent to 0.00001 XLM or 1/10,000th of a cent. Because Stellar Lumens are not mined like Bitcoin, it does not take a high-powered computer to run a node. All that is required is about the same processing power as running an email server. So, it is common for companies that rely on Stellar to conduct their business to run their own nodes. Because they have a vested interest in Stellar performing optimally, these nodes are less likely to act maliciously on the network.
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