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Stellar (XLM) is a cryptocurrency that operates on the Stellar blockchain, a platform designed to facilitate fast and low-cost financial transactions, especially international transfers. It was launched in 2014 by Jed McCaleb, one of the co-founders of Ripple, with the aim of creating a more inclusive financial system.

Main features of Stellar (XLM):

1. Speed ​​and low cost: Transactions on Stellar are processed in a few seconds and with extremely low fees, which makes it ideal for global payments.

2. Acting as a bridge: XLM, also called Lumens, is used to facilitate transactions between different currencies in the Stellar ecosystem, acting as an intermediary.

3. Decentralization: Stellar is a decentralized network that operates with open code, allowing anyone to participate in the system.

4. Strategic partnerships: Stellar has partnered with financial institutions and companies around the world, including IBM and several fintechs, to expand its use in payment solutions.

5. Use cases: In addition to international transfers, Stellar can be used to create tokens, issue central bank digital currencies (CBDCs), and other financial assets.