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XLM

Stellar

Last updated Sep 1, 2026

A payments network aimed at people the banks skipped.

Live price

Checking the price.

Launched
2014
Consensus
Stellar Consensus Protocol
Settlement
A few seconds
Supply
Capped; inflation ended 2019
Job
Remittances & access

What it is

Stellar (XLM) was created by Jed McCaleb after he left Ripple. The Stellar Development Foundation is a nonprofit. The network is built for issuing assets and moving them cheaply — remittances, local-currency tokens, and aid — more than for speculation.

How it compares to XRP

Both are fast payment ledgers with no mining. XRPL grew up around institutional liquidity and on-demand liquidity. Stellar grew up around financial inclusion and anchored assets. They are cousins, not clones. On the show we cover both because the rails rhyme, and the differences matter.

Not financial advice. Knowing a ledger is not the same as buying the asset.

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