Stellar (XLM) emerged in 2014 through the efforts of The Stellar Development Foundation, aiming to establish a peer-to-peer decentralized network. Officially launched in 2015, its primary objective is to foster connectivity among global financial systems, providing a reliable protocol for payment providers and financial institutions. The platform facilitates swift and cost-effective movement of financial resources, linking individuals, banks, and payment processors, enabling the creation, transmission, and trading of various cryptocurrencies. Central to the network is its native digital currency, XLM or Lumens, which serves as an intermediary for transactions and covers transaction fees. Transactions are executed rapidly by converting funds initially into XLM and then into the desired currency. Utilizing distributed ledger technology, the Stellar payment protocol operates as an open-source project, owned and distributed by the community. It addresses the challenges of cross-border transactions, offering lower fees and faster processing times. While XLM prioritizes aiding individuals in money transfers, it also provides access to financial systems, facilitating low-cost and efficient global transactions. Additionally, Stellar functions as a decentralized exchange and marketplace, featuring an integrated order book for tracking ownership of Stellar assets. Users can manage buy/sell orders and customize asset preferences for settlements, with XLM reducing transaction fees. Security is a key focus, requiring XLM holders to possess at least one token for network participation, ensuring efficient and timely transaction processing. Moreover, Lumens offer protection against flood attacks, deterring hackers by making microtransactions economically unviable, thus safeguarding the Stellar Network. Stellar targets residents of developing nations and ordinary users, offering access to the global economy through fast, straightforward, and cost-effective transactions. Leveraging Lumens enables real-time currency conversion and facilitates cash transfers across multiple currencies, particularly useful for transactions involving less commonly traded pairs. Support for multi-currency transactions and cross-currency operations enhances Stellar's competitiveness, bolstered by stable processing speeds and minimal transaction costs. Anchors, acting as bridges between different currencies and the network, streamline exchange processes, further accelerating transaction times.