🔵 XLM (Stellar Lumens) – Powering Global Payments
💸 Built for fast, low-cost cross-border transfers, especially in developing regions
🤝 Key partnerships: IBM, MoneyGram
📉 Current price: ~$0.095
📈 Growth potential if adoption increases in regions like Africa & Latin America
✅ Lower regulatory risk compared to XRP
🧠 A steady long-term hold for Web3 payment infrastructure.
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