XLM White Paper

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The Stellar (XLM) white paper introduces a decentralized network designed to facilitate fast, low-cost cross-border payments. Built for financial inclusion, Stellar connects banks, payment systems, and people by enabling the seamless transfer of digital assets using its native token, Lumens (XLM), and a unique consensus protocol that prioritizes speed and accessibility.

The Stellar (XLM) white paper introduces a decentralized network designed to facilitate fast, low-cost cross-border payments. Built for financial inclusion, Stellar connects banks, payment systems, and people by enabling the seamless transfer of digital assets using its native token, Lumens (XLM), and a unique consensus protocol that prioritizes speed and accessibility.