Short answer Both Sthānakvāsi and Derāvāsi are Śvetāmbara Jains. They arose because, within the Śvetāmbara community, some followers chose a non‑image path of worship while others continued image‑worship. So the difference is mainly “how to worship,” not “what to believe.”

A little background

• Derāvāsi (also called Mūrtipūjak): continue traditional temple and idol worship of the Tīrthaṅkaras with pūjā, āratī, etc. “Derā” means temple.
• Sthānakvāsi: a reform movement within Śvetāmbara that emphasized inner worship, meditation, scriptural study, and ethical conduct, and rejected temple/idol rituals. “Sthānak” means prayer hall/upāśraya.

Why the two paths emerged

• Some learned Śvetāmbara elders studied the Āgamas and concluded that external rituals and idol‑worship were not essential for liberation. They promoted simple, inward practices done in upāśrayas. This became the Sthānakvāsi stream.
• Many others held that properly conducted image‑worship in temples is a valid aid to concentrate the mind, cultivate devotion, and honor the Jinas. This remained the Derāvāsi (Mūrtipūjak) stream.

What is common

• Same core faith: the 24 Tīrthaṅkaras, the five vows, ahiṃsā, karma doctrine, and the goal of mokṣa.
• Both belong to Śvetāmbara; their monks/nuns wear white and follow similar disciplinary vows.
• Festivals like Paryuṣaṇa are observed by both (the mode of observance may vary).

Main differences in practice

• Place of worship: Derāvāsi use temples and images; Sthānakvāsi use sthānaks/upāśrayas without images.
• Form of worship: Derāvāsi include dravya‑pūjā (materials like rice, flowers, etc. used respectfully); Sthānakvāsi focus on bhāva‑pūjā (inner devotion), pratikramaṇ, sāmayik, svādhyāy.
• Ritual symbols and daily rites differ accordingly; dietary and conduct rules are often kept very strict in both, with some Sthānakvāsi groups adopting additional strictness.

Later development

• From the Sthānakvāsi stream, the Terāpanth arose as a further reform emphasizing strict discipline under a single Ācārya and only bhāva‑pūjā.

Essence Both aim at the same spiritual goal. The distinction exists to offer two authentic Śvetāmbara ways: one centered on internal worship without images (Sthānakvāsi) and one that includes traditional image‑worship (Derāvāsi).