$XLM
XLM (Lumen) is the cryptocurrency of the Stellar network, which was launched in 2014 to facilitate fast and low-cost international money transfers. The network aims to connect traditional financial systems with digital currencies, promoting financial inclusion especially in developing countries. XLM features fast transaction settlement (5 seconds) and low fees, making it ideal for global remittances and payments.
Stellar differs from Ripple in that it focuses on individuals rather than banks. The price of XLM is influenced by factors such as institutional adoption and market performance. Thanks to its partnerships with financial institutions, XLM is considered a promising coin with a bright future in the blockchain world.