XLM (Stellar Lumens) is the native cryptocurrency issued by the Stellar network, designed to facilitate cross-border payments and asset transfers. The Stellar network aims to address issues such as slow payment speeds, high fees, and poor accessibility that exist in traditional financial systems. Here is a brief analysis of XLM:

Cross-border payment solution: Stellar focuses on building a low-cost, efficient payment network, particularly suitable for cross-border payments. By simplifying the transaction process between fiat currencies and digital currencies (such as USD, EUR, etc.), the Stellar network enables global users to transfer funds quickly at low costs.

Role of XLM: XLM is the native token of the Stellar network, used to pay transaction fees, stabilize the network, and serve as a medium for asset transfers. The supply of XLM is fixed, which also gives it a certain deflationary characteristic.

Decentralization and collaboration: Stellar is a decentralized open-source project aimed at promoting interoperability of the global payment network through collaboration with banks, financial institutions, and payment providers. Stellar collaborates with several major financial institutions, such as IBM and partner networks.

Market prospects: With the increasing demand for cross-border payments, XLM has the potential to become a key tool in solving payment bottlenecks. Stellar has broad application prospects in the global payment field, especially in emerging markets.