What Is Stellar?Stellar is a blockchain network developed by Stellar Development Foundation. The organization's currency, called the lumen, is traded under the symbol XLM on various cryptocurrency exchanges.Lumens are designed to be used on the Stellar network to pay transaction and account initialization fees. The network was created to connect banks, payment systems, and people to facilitate low-cost, cross-border, cross-asset financial transactions.KEY POINTS Stellar is a decentralized protocol on open-source code to transfer value domestically and across borders.The Stellar blockchain's cryptocurrency is called the lumen, a token that trades under the symbol XLM.Stellar is one of the best-performing altcoins, with a market cap of just over $3.3 billion.History of StellarStellar is operated by the Stellar Development Foundation, a nonprofit organization founded by Jed McCaleb. The Stellar project received initial funding from the payments startup Stripe and other organizations' donations. Stellar also covers its operational costs by accepting tax-deductible public donations.In 2018, Stellar signed a deal with TransferTo for cross-border payments to more than 70 nations. It also became the first distributed technology ledger to obtain a Shariah-compliance certificate for payments and asset tokenization and was selected as a partner by IBM (IBM) for a double-pegged stablecoin project.Concerns About StellarThere are roughly 27.3 billion coins in circulation, with a maximum supply of 50 billion. The Stellar Foundation originally had over 100 billion lumens in existence but burned roughly half of its outstanding coins in November 2019. The move caused a short-term rise in the price of XLM, though the rally quickly faded. Coin burns are controversial because they imply the kind of manipulation that decentralized systems are supposed to protect against. Each lumen transaction has a standard mining fee of 0.00001 lumens.The Future of StellarStellar's primary focus is on developing economies in the areas of remittances and bank loans to those who are outside of the scope of the banking services. Stellar doesn't charge individuals or institutions for using the network.Stellar supports a distributed exchange mode. This allows users to send payments in specific currencies even though they may hold credits in another, while the network automatically performs the forex conversion. The receiver can withdraw their currency equivalent through a partner institute like a bank.As a cross-border transfer and payment system connecting financial entities, Stellar aims to reduce transaction costs and time lags significantly. While Stellar works similarly to technologies like Bitcoin, its key distinguishing feature is its consensus protocol. The present-day Stellar is a result of a 2014 fork that created the Stellar Consensus Protocol (SCP), following which Stellar became an open-source system. Under this protocol, the transaction authentication process is confined to a select set of trustworthy nodes rather than being left open to the whole network of nodes.Even with the similarities and improvements, it is unclear whether Stellar will garner popularity, although its trading volume and market cap slowly continue to increase with time.Is XLM Crypto a Good Investment?Stellar's cryptocurrency XLM is used for on-chain transactions but can be purchased as an investment. You should thoroughly investigate Stellar and XLM before deciding to make a purchase for investing purposes. Also, a professional investment advisor can help you decide whether XLM is suitable for your portfolio.What Is XLM Cryptocurrency?XLM is the token used in the Stellar blockchain to pay transaction fees. It can also be purchased on select exchanges for other purposes.Is XLM Better Than XRP?Cryptocurrencies are generally designed with a purpose in mind. XRP is the Token used by Ripple to facilitate banking transactions, while XLM is used to facilitate cross-border and cross-asset transactions on the Stellar blockchain. Which one is better depends on your opinion.The Bottom LineStellar is a blockchain network designed to allow payments across borders without involving third parties. It also attempts to bypass the constraints generally associated with converting between all the different currencies and coins available, making payments quicker and easier-_-_-_-_-_-_-_+_+_-_-_-_-+_+_+_++_+-_-_Thank you 👍😊 for reminding this 😁 fully If can also thank me if this helpful for you by tips ☺️🙏 me my friend 😉

What is XRP? #XRP $XRP XRP is Ripple’s cryptocurrency token, which is used to transfer funds across borders at a low cost — trustlessly and instantly. Its primary use is to serve as a bridge currency to offer financial institutions a more cost-effective way to exchange both crypto and fiat currencies. However, bridging assets with XRP may carry risks for financial institutions dependent on the Ripple network to supply the necessary transfer liquidity. Using XRP and other cryptocurrencies for transfers is even riskier when considering their volatility, which does not make them suitable units of exchange.Ripple’s selling point for XRP has always been its minimal transaction fees and transactions’ quick settlement status. The minimum transaction cost required by the network for a standard trade is 0.00002 XRP. Another advantage of XRP is its scalability, with 1,500 transactions per second, and its inherently green attributes that make it carbon-neutral and energy-efficient.XRP is premined, meaning that many of the tokens were created or mined before the project was launched to the public. The company has always assured that the premine solution was necessary to reward the project’s founders, developers and early investors.How does XRP work?Like other cryptocurrencies, Ripple’s blockchain maintains an immutable record of transactions through its electronic ledger, the XRP Ledger. The XRPL is also responsible for recording transaction data such as balances, accounts, and transfers and is cryptographically secured with key pairs (private and public keys). The private key holders are the only ones who can approve transactions.  XRP transactions settle in seconds, enabling payments in local currency for both parties and allowing institutions to bridge currencies. Transactions are confirmed by a network of 150+ validators (servers) that may be rewarded a place in Ripple’s Unique Node List. The Unique Node List includes 35 validators, with Ripple running six of them. Validators must agree on a set of transactions for a particular ledger entry based on the Ripple Protocol Consensus Algorithm (RPCA). The network is in charge of validating all outstanding XRP transactions, on average, every three to five seconds.Once validated, the transactions are recorded onto the XRP ledger in compliance with the RPCA, and are permanently timestamped on the blockchain to ensure the ledger data entry remains immutable. Consensus is reached when at least 80% of validating nodes agree on the transaction’s legitimacy, and a new block is added to the XRPL blockchain.There can always be some flawed validators, but they can never exceed 20% of the total. If the number exceeds 20%, the network is challenged and stops functioning.What is XRP used for?Ripple created XRP to operate the network as an alternative to SWIFT, offering transaction speed for more efficient international payments and faster cross-border transactions.Ripple’s token is handy for little-traded currencies that may require an intermediary medium of exchange to be swapped cheaply. That intermediary currency is usually the U.S. dollar, but XRP can replace it for a fraction of the cost per transaction.Traditional wire transfers may take days to settle and charge high fees. They could be replaced by the Ripple network using XRP for its high transaction speed and low costs.XRP empowers the open-source XRPL Ledger, a scalable and sustainable blockchain that provides a permanent and immutable record of transactions only authorized by the holder of private keys.The platform is managed by a community of global developers, leveraging the low cost and fast transfer of value for many use cases. The decentralized exchange (DEX) — the XRPL DEX — is the longest-operating decentralized exchange, enabling users to trade XRP and other cryptocurrencies since 2012 with minimal fees. The XRP Ledger DEX provides unlimited currency pairs tracked on-demand when users initiate trades. XRPL trades are called “offers,” — a limit order to buy or sell a quantity of one currency (XRP or another token) for a specific amount of another at the best exchange rate available.Cross-chain bridging solution provider Allbridge integrated support for XRPL in April 2022. It opened new opportunities for Ripple in decentralized finance (DeFi) by linking the platform to the Ethereum Virtual Machine (EVM) and non-EVM compatible chains like Solana, Near Protocol, BNB Chain and Fantom — among others.Tip me friends 😁😉 if have money 🤑Or claim rewards Link Binance event please 🥺🥺

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