#stellar is a decentralized blockchain platform created in 2014 by Jed McCaleb, one of the co-founders of Ripple. Stellar aims to facilitate fast, cheap, and secure cross-border payments, especially for those without access to traditional banking services.

Native cryptocurrency - Lumens ($XLM )

- is used to pay transaction fees and prevent spam on the network.

- It is also a “bridge currency” that helps exchange different assets (such as fiat currencies or other cryptocurrencies) without having to directly exchange between them.

Decentralized Exchange (DEX). Stellar has a built-in decentralized exchange that allows users to trade assets directly on the blockchain.

Consensus Algorithm. Stellar uses a unique consensus algorithm called Stellar Consensus Protocol (SCP), which is different from Proof of Work (Bitcoin) or Proof of Stake (Ethereum 2.0). SCP is faster and more energy efficient.

Stellar provides access to financial services for those excluded from the traditional banking system. It cooperates with large companies such as #MoneyGram (for international transfers) and IBM (for projects in the field of blockchain solutions).