$XLM Stellar (XLM), also known as Lumens, is the native cryptocurrency of the Stellar network, a blockchain designed to facilitate fast, low-cost, and secure transactions, especially for international transfers and micropayments. The network was created in 2014 by Jed McCaleb, co-founder of Ripple, in partnership with the Stellar Development Foundation (SDF).

Stellar's goals:

1. Financial Inclusion: Facilitate access to financial services in underdeveloped or unbanked regions.

2. International Transfers: Offer a cost-effective and agile alternative to traditional systems, such as SWIFT.

3. Interoperability: Connect different financial systems, enabling the conversion of fiat currencies, digital assets, and other types of values.

XLM features:

• Speed: Transactions are processed in about 5 seconds.

• Low Cost: Minimal transaction fees, making it ideal for micropayments.

• Interoperability: Supports the issuance and exchange of assets such as stablecoins and tokenized fiat currencies.

Utilities of the XLM Token:

Transaction Fees: Used to pay minimal fees on the Stellar network.

Liquidity: Acts as a bridge to facilitate the conversion of different currencies.

Governance and Support: Encourages the development and adoption of the network.

Partnerships and Adoption:

Stellar has strategic partnerships with global companies and financial institutions, such as IBM, which uses its blockchain for the World Wire project, focused on cross-border payments. In addition, several non-governmental organizations (NGOs) use Stellar to distribute aid in an efficient and transparent manner.

Market Impact:

With its focused approach to financial inclusion and efficiency, Stellar (XLM) has become one of the leading blockchains for global transactions, attracting developers and investors interested in scalable and accessible solutions for the future of digital finance.