I wouldn't lump Ripple and Stellar together. A lot has changed. Stellar is running on new code and algorithm. Unlike, Ripple, they designed the system to be fully responsive, but not at the expense of correctness. Stellar's new consensus protocol takes things to the next level with their Federated Byzantine Agreement approach. With this, each node chooses its own quorum slices. The slice selections and nodes are required to maintain a balance between liveness & safety. It's undeniably the 1st provably safe consensus mechanism with the four key properties (1)decentralization, (2) low latency, (3) flexible trust and (4) asymptotic security) working simultaneously. It's better than any mechanism including POW - POS - Tendermint - Byzantine Agreement. I am willing to bet we will see a major shift with many dapps moving over and utilizing the SCP. The possibilities are endless if it scales like it should. We shall see.