The payment blockchain: Stellar Lumens, founded in 2014, is very similar to Project Ripple (another organization with its own cryptocurrency). In fact, one of the co-founders of Ripple, Jed McCaled, is a founder of Stellar. While Ripple aims to help financial institutions transfer digital value, Stellar aims to help individuals, like you and me, perform these exchange transactions. Stellar is an open source blockchain that allows micro payments to be made worldwide. The consensus used is the SCP (Stellar Consensus Protocol) which allows, thanks to an ecosystem of servers made up of individuals or groups, to agree in order to validate the transactions on the blockchain. It allows the transfer of value between different currencies for a fee. The latter are ridiculous, below a euro cent and the execution time gravitates around 5 seconds.


The native token of Stellar is called "Lumen" and is displayed under the symbol: XLM. It allows you to pay the transaction fees between the different transfers.