Stellar (XLM) is a decentralized blockchain platform designed to facilitate cross-border transactions and enable fast, low-cost international payments. It aims to connect financial institutions, payment systems, and individuals to facilitate seamless money transfers. Stellar’s native cryptocurrency, Lumens (XLM), is used to facilitate transactions on the network and prevent spam attacks. The platform utilizes a consensus algorithm known as the Stellar Consensus Protocol (SCP) to validate transactions and maintain network security. Developed by Jed McCaleb and Joyce Kim in 2014, Stellar operates as a non-profit organization focused on financial inclusion and providing access to affordable financial services globally.