Not financial advice, just the perspective of a natural skeptic
Coca-Cola and Pepsi have a nearly identical market cap so if Stellar is Pepsi it has a lot of market cap tk catch up on
but everything they are selling to the public is the idea that banks are going to adopt this
Banks are going to use creative accounting along the way of developing their own blockchain tech and they already have with Consensys and Kinexys
I see more value in other places but between the two XLM seems to be in a place where it stands to gain more
Think Western Union or Moneygram