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View ChartStellar Lumens (XLM) is the native cryptocurrency of Stellar, a blockchain-based payment network designed for cross-border transfers and payments. Stellar aims to unite the world's financial infrastructure by connecting banks, payment systems, and individuals, enabling near-instant and secure transfers.
Just as the Internet revolutionized the free flow of information, Stellar seeks to do the same for money. To maintain neutrality, Stellar operates not as a bank or business, but as a decentralized, open network supported by the Stellar Development Foundation (SDF), a nonprofit organization.
XLM (or Lumens) fuels activity on the Stellar network, a system designed to facilitate faster and cheaper cross-border payments compared to traditional financial networks. Stellar was built to work alongside existing assets and cryptocurrencies, allowing users to create digital representations of any asset as a Stellar token. These tokens can be used for transactions on the blockchain and can be redeemed for the underlying asset at any time. For example, USDC, a stablecoin pegged to the U.S. dollar, is issued on the Stellar network.
As a decentralized financial network, no single entity can process transactions or prevent users from joining or leaving Stellar. The network remains operational even if some servers fail or are shut down.
Instead of relying on proof-of-work mining, Stellar is secured by a unique consensus mechanism called the Stellar Consensus Protocol (SCP).
Unlike many popular cryptocurrencies, XLM cannot be mined or staked to earn rewards or increase the asset's supply. While Stellar shares similarities with technologies like Bitcoin, its key distinguishing feature is its consensus protocol. The current Stellar network originated from a 2014 fork that introduced the Stellar Consensus Protocol (SCP), making Stellar an open-source system. Under this protocol, transaction validation is limited to a select group of trusted nodes rather than being open to the entire network of nodes.
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Trade| Comparison Criteria | Stellar (XLM) | Ripple (XRP) | Bitcoin (BTC) |
|---|---|---|---|
| Positioning & Target | Individual users, financial institutions, NGOs, and global inclusive finance | Major banks and interbank liquidity settlement | Decentralized digital gold and store of value |
| Consensus Mechanism | Stellar Consensus Protocol (SCP / FBA, open and decentralized) | Ripple Protocol Consensus Algorithm (RPCA, permissioned nodes) | Proof-of-Work (PoW, mining-based consensus) |
| Transaction Speed & Cost | 3–5s confirmation / Fee < $0.0001 USD | 3–5s confirmation / Very low fee | 10–60 min confirmation / High fees & congestion risk |
| Smart Contract Support | Yes (via the Soroban platform) | Limited (via EVM Sidechain & Hooks extensions) | Limited (Native Script / Layer 2 solutions) |
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