Stellar is more bank-friendly: it can handle fiat currencies and fiat exchanges, and it supports regulatory compliance (KYC and AML). Also — Lightning reduces

Stellar is more bank-friendly: it can handle fiat currencies and fiat exchanges, and it supports regulatory compliance (KYC and AML). Also — Lightning reduces fees and transaction times, but these costs still matter. The time and cost to open and later close a payment channel is a multiple of the latency and transaction cost of the underlying chain. Not very transaction will need a new payment channel, but other things being equal (in particular: connectivity of the Lightning graphs, average transactions per payment channel), the network with lower non-Lightning costs will have proportionally lower Lightning costs too. The cost matters when there’s lots of transactions; the latency makes a difference to both mean and worst-case Lightning transaction and settlement time. Stellar also uses less energy.