The growth of $XLM (Stellar Lumens) is mainly due to its focus on facilitating fast, cheap, and accessible international payments, especially in regions with limited access to banking services. Its technology enables money transfers in seconds with minimal fees, which has attracted the attention of NGOs, fintech companies, and corporations like IBM.

Its potential lies in the ability to tokenize assets, issue stablecoins, and serve as a bridge between currencies, opening opportunities for global financial inclusion. As the demand for efficient and decentralized payment solutions grows, Stellar has room to establish itself as a key network in the digital financial ecosystem.