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Stellar Lumens, What is it? - https://www.youtube.com/watch?v=-u2RCOWxKww

Stellar is the "peoples currency" and Ripple is the "banking currency"

Stellar is an open-source payments network that serves as a distributed intermediary blockchain for global financial systems and circulates a native asset, Stellar Lumens (XLM). The Stellar blockchain allows anyone to issue new assets in the network and exchange for other assets via built-in asset exchange features. Assets on Stellar are issued and redeemed by anchors, who are trusted entities that issue digital credits on the Stellar network in exchange for deposits of the asset with the trusted entity. Anchors enable real world assets to be exchanged on Stellar by leveraging a distributed exchange that maintains an order book for every asset pair. Stellar supports the issuance of any type of asset including stocks, currencies, crypto assets and more.

XLM is used a medium of exchange within Stellar network. XLM is also used to pay transaction fees in order to stop spammers from clogging on the ledger. Every account in the Stellar network most hold a minimum of 1 XLM to ensure authenticity. XLM also acts as a bridge currency within the Stellar Distributed Exchange, leveraging its nature as the only asset in the Stellar network that does not require an anchor, allowing it to pair with any other asset to provide liquidity.

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