Stellar (XLM) is a decentralized blockchain network designed to enable fast and low-cost cross-border payments without fully relying on traditional banking infrastructure. It was launched in 2014 by Jed McCaleb and focuses on improving financial access by connecting payment systems worldwide. Stellar uses blockchain technology to process transactions securely, transparently, and efficiently. Its native cryptocurrency, Lumens (XLM), is used to facilitate transactions and act as a bridge between different currencies. Stellar plays an important role in the development of digital payments and the integration of blockchain technology into the global financial system.