The payment blockchain: Stellar Lumens, created in 2014, is very similar to the Ripple project (another organization with its own cryptocurrency). In fact, one of Ripple's co-founders, Jed McCaled, is the founder of Stellar. While Ripple aims to help financial institutions transfer digital value, Stellar is aimed more at individuals, like you and me, to carry out these exchange transactions. Stellar is an open-source blockchain that enables micro-payments to be made worldwide. The consensus used is the SCP (Stellar Consensus Protocol), which uses an ecosystem of servers made up of individuals or groups to agree on validating transactions on the blockchain. It thus allows value to be transferred between different currencies for a transaction fee. These fees are negligible, less than one euro cent, and the execution time is around 5 seconds.
Features:
Stellar's native token is called "Lumen" and is displayed under the symbol: XLM. It is used to pay transaction fees between different transfers.
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