Stellar is a decentralized blockchain network designed for fast and low-cost global payments. Its primary goal is to connect financial institutions, payment systems, and individuals to enable efficient cross-border transactions.

The network uses its native cryptocurrency, Lumens (XLM), to facilitate transactions and prevent spam on the network. Stellar focuses on making financial services accessible worldwide, particularly in regions with limited access to traditional banking.

Thanks to its fast settlement times and minimal fees, Stellar is widely used for remittances, asset transfers, and digital payment solutions.