Stellar

Stellar is a blockchain network focused on fast, low-cost payments and asset transfers. Its native asset, XLM, also known as Lumens, helps support transactions across the network. Stellar has long been associated with cross-border payments, remittances, financial inclusion, and the movement of digital representations of real-world value.

The idea behind Stellar is practical rather than speculative: money and assets should be able to move across borders more efficiently. That has made XLM relevant for users who are interested in payment rails, stablecoin settlement, and blockchain infrastructure designed for financial access.

XLM is often compared with XRP because both are linked to payments, but Stellar has its own ecosystem and positioning. For users researching cryptos by real-world use case, Stellar remains one of the clearer examples of a network built around transfer efficiency and financial connectivity.