Author: changehero
July 22, 2021

In the bull market, Stellar stood out as one of the best performing assets. What could cause it? Will it continue in the future? In this article, we analyse the present and look at Stellar Lumens price prediction 2021 and the more distant future. Stellar Lumens Price Prediction 2021–2030 [table id=34 /] Depending on sources, […]

Stellar Lumens Prediction for 2021, 2025, 2030

In the bull market, Stellar stood out as one of the best performing assets. What could cause it? Will it continue in the future? In this article, we analyse the present and look at Stellar Lumens price prediction 2021 and the more distant future.

Stellar Lumens Price Prediction 2021–2030

[table id=34 /]

  • Depending on sources, Stellar lumens price prediction 2021 ranges from bearish at $0.15 to extremely bullish at $3.50;
  • In several years, by 2025, XLM can be expected to trade above the $1 mark, beating the current ATH;
  • By 2030 lumens could be worth more than $10 and even $100 dollars, some experts claim.

What are Stellar and Lumens (XLM)?

XLM logo
Source: Stellar

Stellar is a “cryptocurrency-adjacent” open-source and currency-agnostic system for money transfer. The idea is to use the network for borderless payments and quick settlements between the network participants.
Stellar lumens (XLM) is a native token in the Stellar network. XLM imposes equal rules to all the users of the Stellar network, making it currency- and nation agnostic. 
Lumens are also used to pay for transaction fees and act as an intermediary for illiquid assets on the network’s DEX. To find out more about how Stellar works and details on XLM, read our Beginner’s Guide!

Price History of Stellar lumens (XLM)


XLM price chart 2014-2016
Source: TradingView

In 2014, at the early stages, Stellar was supported by prominent investors (for example, founders of PayPal, WordPress and AngelList). At the premine, 100 billion lumens were created and started entering circulation.
In November ‘15, Stellar got a new codebase with a unique consensus algorithm (Stellar Consensus Protocol, SCP) but it didn’t influence the price much. 2016 was the year when Stellar Development Foundation struck a deal with Deloitte and held several official airdrops.
The highest XLM price in this period was 1900 satoshis (about $0.006) on December 20, 2014.


XLM price chart: 2017-2019
Source: TradingView

In 2017, retail investors have started to take interest in cryptocurrencies. It culminated in a massive rally which influenced all assets. 
At the peak (January 4, 2018), XLM was worth $0.9381, which is its current maximum. During 2018, the market was in correction and overall bearish but volatile.
In 2019, Stellar Development Foundation decided to burn half of the total supply and stop issuance of new XLM. Upon the news, the price increased by 25%. In 2019, XLM was traded in a range between $0.04–0.14.


XLM price chart: 2020-2021
Source: TradingView

At the start of 2020, XLM was hit by the “crypto winter” hard, but it survived. By November it had grown from $0.045 to $0.077. 2020 saw XLM close at $0.1284.
In 2021, XLM spiked again, and the yearly high came to $0.7965. This coincided with the news that Ukrainian government chose the Stellar Development Foundation to develop virtual currencies and assets.
At the moment of writing, XLM is worth $0.2212 and ranks 20th (according to CoinMarketCap).

What influences the price?


As proven in the previous section, the news about a new partnership can increase the interest of investors. Extension of the user base and new use cases in the long-term are steps towards adoption. 
The remittances market is a huge one, so tapping into it is a winning strategy. In May, Stellar Development Foundation invested $15 million in Mexican digital wallet and P2P exchange AirTM.
Stellar can be used not only for monetary assets. For example, European real estate company Vonovia announced a solution for real estate rights tokenization.

Technical Upgrades

As seen from the price history, upgrades can be a factor in the change of price. Previous planned upgrade in 2020 included quality-of-life improvements for application developers.
The latest upgrade, though, was prompted by a node outage in April. The following week, XLM price dropped from $0.6858 to $0.4065.


Last year, Stellar announced a partnership with Elliptic to improve their own platform. Elliptic is an analytic company which helps make Stellar more transparent and fraud-proof.
Stellar Development Foundation assists Ukraine in development of CBDC. Bankhaus von der Heydt, one of the oldest banks in the world, is also using the Stellar blockchain for digital assets and euro stablecoin.

Latest Twitter posts

Lumens scored the most social sentiment on July 22, because of the news that Stellar Development Foundation is considering a purchase of Moneygram. The remittance company used to be one of the largest partners of XRP but cut ties when the SEC lawsuit began in early 2021.

Trader and influencer Sir Gordon provided a chart concurrent to the news. The price action already looks like a bounce but he thinks that the green candles can get even longer.

Another trader points out that XLM is breaking out of consolidation.

Stellar lumens Price Prediction 2021

FXStreet Stellar lumens Prediction 2021: $0.198

In a price analysis, FXStreet analyst Sheldon McIntyre shows that XLM is about to enter the oversold area below 200-week SMA. There is a possibility for a long move if XLM closes above $0.240 but the pressure from sellers is greater.
Correspondingly, his bullish target is at the $0.386 resistance and bearish — $0.198 and lower.

Monetize Stellar lumens Prediction 2021: over $1

Using fundamental analysis, Monetize authors conclude that in 2021 lumens will be worth more than the current ATH. Ripple’s legal trouble can be the reason Stellar will make it to the top-5, and XLM reaching $1 by December is not impossible.

PrimeXBT Stellar lumens Prediction 2021: $0.15–3.50

PrimeXBT authors apply technical analysis to large time frames of XLM. According to them, 21 cents make a neckline of a head and shoulders pattern. 
The $0.15 resistance turned support in 2021, so a further leg up to $3.50 can be coming if the market renews the bull run.

Stellar Price Predictions for 2022–2024

Coinpedia Stellar lumens Prediction 2022: $0.56–2

Based on experts’ opinions, Coinpedia authors speculate that in mid-2022, lumens will reach a yearly high of $0.77. The closing price of 2022 will be slightly lower, approximately $0.56.
However, considering the bullish sentiments, the price range of XLM can increase to $1.5–2 per coin.

TradingBeasts Stellar lumens Prediction 2023: $0.2616–0.41

A moderate forecast is given by Trading Beasts website. According to their data, in January XLM will be trading at $0.328 but decline throughout the year. By December 2023, XLM will be worth $0.308 on average.

PrimeXBT XLM Price Prediction 2022–2024: $0.5–5

Once the leg up is finished, it is a signal for a correction. The bear market can last up to mid-2023 and bottom at $0.5 but the next cycle will kickstart a new bull run to $5 for XLM.

Stellar Lumens Price Prediction 2025

3commas Stellar lumens Prediction: $0.83–0.95

Another conservative prediction is provided by 3commas. On average, in 2025 XLM is expected to trade around $0.9, with dips to $0.83 and highs of $0.95.

DigitalCoinPrice Stellar lumens Prediction: $0.5761–0.7569

Stellar lumens Prediction 2025
Source: DigitalCoinPrice

The historical analysis utilized by DigitalCoinPrice website calculated that even in five years XLM will not cost over $1. On average, the price is expected to oscillate between $0.5716 and $0.7569.

WalletInvestor Stellar lumens Prediction: $0.81–1.95

WalletInvestor predicts in five years all current XLM holders will be in black. The highest average prices in 2025 will be in December ($1.378–1.477), and the range borders can extend from $0.81 to $1.95.

Stellar Lumens Price Prediction 2030

In ten years, the cryptocurrency market will definitely be unrecognizable in comparison to today. If we assume it develops at the same pace, we can make an educated guess. 
Altcoin Captain considers $100+ per XLM to be a fair price in 2030. Cryptocurrency Price Prediction puts their estimates for 2030 at $18.37–22.65.

ChangeHero XLM Price Prediction

The 2021 XLM price predictions have to consider the current sentiments around Stellar’s main competition, Ripple. In the worst case for the latter, XLM can climb up to top-5 and take its place. 
This can happen if the rally continues, and then we might still see XLM for $1 in 2021.

How to buy XLM on ChangeHero?

Did you know you can get XLM in exchange for other cryptocurrencies on ChangeHero without an account? It’s done in five simple steps:

  1. Choose the currencies on the home page, amounts and the type of exchange. Provide your XLM wallet address and memo in the next step and check the amounts;
  2. Double-check the provided information, read and accept the Terms of Use and Privacy Policy;
  3. Send in a single transaction the sum of cryptocurrency you will be exchanging. Fixed Rate transactions have a 15-minute limit;
  4. And now, relax! We are doing all the work: checking the incoming transaction and doing the exchange as soon as it arrives;
  5. As soon as the exchange has been processed, your XLM is on the way to your wallet. We’ll be happy to hear your feedback if you enjoyed using ChangeHero.

Our support Heroes are available 24/7 in the chat on our website or through the email: [email protected].
If you want to buy XLM with a bank card, you can also do it on our website with the help of our partner. Here is a handy guide with full details!


Stellar had a great start in 2021 and is doing well even despite the correction. The work done by Stellar Development Foundation promises a bright future for the crypto industry and XLM supporters in particular.
Find more Stellar news in the future in our blog and the updates on Twitter, Facebook, Reddit and Telegram.

Frequently asked questions

Can XLM reach $10?

Some predictions claim XLM can eventually reach the $10 mark, but in the term as long as by 2030.

What will Stellar lumens be worth in 2025?

Experts predict that XLM will be trading in a $0.57–1.95 range in 2025.

Can Stellar lumens reach $100 in 2021?

Most predictions agree that it is impossible for XLM to reach $100 in 2021.

What will Stellar lumens be worth in 2022?

Experts predict that XLM will be trading in a $0.56–2 range in 2022.

What will Stellar lumens be worth in 2030?

What will Stellar lumens be worth in 2030?

Experts predict that XLM will be trading in a wide range of $18.37–100 in 2030.


This article does not constitute financial or investing advice. No price prediction or forecast is guaranteed to provide exact information on the future price.
When dealing with cryptocurrencies, remember that they are extremely volatile and thus, a high-risk investment. Always make sure to stay informed and be aware of those risks. Consider investitions in cryptocurrencies only after careful consideration and analysis and at your own risk.

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Author: changehero
July 29, 2020

Stellar is a fitting name for a project that has the ambition to revolutionize the existing finance system as a whole, don’t you think? In this Beginner’s guide, ChangeHero team is going to introduce you to the Stellar network, explain Stellar lumens (XLM), look at its history and provide tips on how to purchase and […]

What is Stellar?

Stellar is a fitting name for a project that has the ambition to revolutionize the existing finance system as a whole, don’t you think? In this Beginner’s guide, ChangeHero team is going to introduce you to the Stellar network, explain Stellar lumens (XLM), look at its history and provide tips on how to purchase and store Stellar lumens.

What is Stellar?

Stellar is an open source, decentralized protocol to transfer money across borders

Stellar is designed as a currency-agnostic system for quick and borderless payment settlement. It is open-source, decentralized and as the developers put it, “cryptocurrency-adjacent”.

The distributed ledger technology behind Stellar is called the Stellar Consensus Protocol, and thanks to the principle of flexible trust, there is no need to have a curated list of approved validators. Instead, the network relies on quorum slices, where the highest-tiered validators are trusted by the majority of network participants.

Stellar connects network participants across the world in a borderless way by issuing a tokenized representation of an asset on-chain. For example, if we were to send 100 dollars to another country through the Stellar network, we would issue 100 dollar tokens on-chain first. Their main property is being redeemable in 1:1 ratio anywhere in the world, so by receiving 100 dollar tokens, our recipient can redeem them for the 100 dollars we meant to send them. This is not just an abstract example but the way AnchorUSD works. The Stellar network can have similar applications for different use cases, too.

How it started

Stellar was envisioned after Ripple faced criticism for its lack of true decentralization: from a list of approved validators to a huge share of the existing supply in the founders’ hands. One of the co-founders of Ripple and founder of the Mt.Gox exchange, Jed McCaleb, left the team behind Ripple in 2013 and the next year launched the new currency with Joyce Kim. Just like that, Stellar began its history in July, 2014.

At the early stages, Stellar received $3 million seed capital from Stripe, another prominent payment tech giant, and was backed by other known personalities like Keith Rabois, co-founder of PayPal, Patrick Collisson (Stripe CEO), Sam Altman, YCombinator president, Naval Ravikant, AngelList co-founder and CEO and Matt Mullenweg, founder of WordPress.

The Stellar network is supported by the Stellar Development Foundation (the SDF for short), established in 2014 as well, which is a non-profit organization. By April 2015, the concept of Stellar Consensus Protocol was described in the whitepaper, and the new codebase was deployed in November 2015.

What are the advantages of Stellar?

Stellar Consensus Protocol

Initially, Stellar was built on the source code of XRP made public by Ripple. The main difference that makes Stellar stand out in comparison to XRP and other cryptocurrencies is the unique consensus protocol, which the nodes use to confirm transactions. Its principle is that a node can decide for itself which validators to trust, so anyone can join the process.


Stellar, with the use of lumens, native token, can track IOUs across the system. This way, lumens can be used instead of any currency within the platform. This is achieved by tokenization, and the network supports not only fiat but also other cryptocurrencies. During the ICO boom of 2017, Stellar was the second-most popular platform for ICOs, after Ethereum.

Path Payments

Tokens on Stellar are highly customizable, for example, if there is any need for strict compliance, access to tokens can include KYC/registration/multi-sig for holders. All tokens issued on Stellar can also be traded on the integrated decentralized exchange. It is thanks to the DEX path payments are possible. Path payments allow the sender to send one tokenized asset while the receiver gets another.


The role similar to the gateways in Ripple in the case of Stellar network is delegated to anchors. However, anchors do not only provide fiat on/off-ramping but they also can be the issuers of tokenized assets, and any financial company or service provider can join as long as they meet the criteria publicly listed by the Stellar Development Foundation.

What is Stellar lumens?

As it was previously mentioned, Stellar Lumens (XLM) is a native token in the Stellar network. It was introduced because otherwise there was no friction to prevent spamming attacks. A small amount of lumens is required to own an address in the system. XLM was picked to impose the equal rules to all the users of the Stellar network, regardless of their preferred currency for payments or the country where they are based in.

Transaction fees, as it is very common with such networks, are also paid in lumens. Besides, XLM is useful as an intermediary when trading illiquid assets on the network’s DEX.

How much is Stellar Lumens (XLM) worth?

Lumens were premined at launch, so when the network went live, an initial supply of 100 billion XLM was created. However, this was not the total supply, as an annual inflation rate of 1% was also coded in. In 2019, a community decided to first, end the inflation mechanism and next, reduce the existing supply of XLM by half with no more to be created.

Out of those 50 billion, only 20,473,733,165 XLM are in the open market. The rest are in Stellar Development Foundation’s custody and will be used to support the ecosystem, thus also entering the circulation.

Stellar Lumens (XLM) price since 2014.
Source: CoinMarketCap

Stellar lumen’s price movement resembles the most currencies that were around for as long as XLM: cheaper prior to 2017, peaking in late 2017– early 2018, descending during the crypto winter of 2018 and 2019. The price range for the first few years of XLM’s history was around $0.001–0.003, then it rose to $0.03–0.05 in the second half of 2017. The historic maximum for Stellar (XLM) price was reached on January 4, 2018 — $0.938144. From then on and until the end of 2019, a downward trend prevailed, though not without some upward spikes in price. Relative to this, Stellar is performing well this year. While it saw greater volatility than some other currencies, having started at $0.044613, XLM has gained more than 100% over the year-to-date and recently hit a new yearly high since February. At the moment of writing, Stellar (XLM) has the market capitalization of $1,958,762,029, ranking 14th according to CoinMarketCap, and a single XLM is worth $0.095672.

Is Stellar involved in any controversies?

Over-zealous compliance

Co-founder of CoinPrices Matt Odell on Stellar Lumens airdrop
Source: Twitter

Among some things Stellar got criticized for was overdoing it with the compliance, as co-founder of CoinPrices Matt Odell put it. The token distribution was happening throughout 2018, when the supply was at 100 billion Stellar lumens and 20% of it was supposed to go to Bitcoin and Ripple users. Later in 2019, however, the distribution model was reworked.

Existing supply slash in 2019

Charlie Lee on Stellar Lumens token burn
Source; Twitter

The move to destroy half of the existing supply of lumens is certainly a big deal. The Litecoin creator, Charlie Lee, claimed in his Twitter that the SDF did so without properly informing the community and for their own gain.

What is the difference between Stellar Lumens and XRP?

Though Stellar seems like Ripple’s competitor, not only it diverged in code from the latter significantly, but also the philosophies and the purposes of these two networks are different.

Ripple is more focused on institutional partnerships and its main use case is international remittances. Stellar network is more about the individual participants of the financial system. This is why they can boast such features as inclusive network participation and clear participation guidelines for anchors.

There is also the difference between the consensus protocols in Ripple and Stellar networks. In terms of speed of settlement and throughput both networks are on a par with each other. However, even though both networks charge a 0.00001 fee on each transaction, in dollar terms the XLM transactions are cheaper than in XRP.

Who are the partners of Stellar?

As is expected with a mission like Stellar’s, their success relies on the partnerships they secure. Among the largest corporations that use Stellar’s platform are IBM and Deloitte. Their money transfer solutions are used by such providers as Tempo in France, Remitr in the Americas, SatoshiPay in Europe, SureRemit in Africa, among others.

The most recent partners on board with the SDF are Abra, Elliptic and Samsung via the Keystore integration. The variety of the markets they cover and products they use should be a step in the direction of a much broader degree of adoption.

XLM on social media

Stellar Development Foundation developer, Kolten shared anchor building process and proposal to increase the minimum fee on Twitter
Source: Twitter

A SDF developer, Kolten, can be found on Twitter under the handle @koltenb_. He’s regularly posting the updates to the development process of Stellar network. This week they introduced the anchor building process and a proposal to increase the minimum fee. The community will have to vote on whether to accept it or decline.

According to trader @KiaCrypto, XLM price this week broke the month's long decline.
Source: Twitter

An overwhelming amount of messages on Twitter are about the price movements of Stellar lumens. Trader @KiaCrypto gives their long-term prediction for Stellar’s price based on the recent breakout. Looking at the weekly chart, one might see that XLM’s value indeed broke out of a months-long slump.

Revolut integrated XLM on their platform
Source: Twitter

And in other XLM news, Revolut has just announced the integration of lumens on their platform. For Stellar, this is a valuable partnership, as Revolut is a popular app that can be a fiat on/off-ramp for Stellar users everywhere in the world.

How to purchase Stellar lumens?

Stellar (XLM) pairs are traded every day on the most popular exchanges like Binance, Coinbase and OKEx against fiat and cryptocurrencies. However, to buy it on an exchange, even with crypto, you need an account, which has to be verified and make a deposit to it. With ChangeHero, you can get XLM without the need to deposit your assets or register an account. We will process the exchange easily — leave all the order matching to us! — and securely, without having custody over your assets.

How to store Stellar lumens?

The official website recommends the following wallets, from most to least secure but more accessible:

  • For cold storage, Ledger and Trezor hardware wallets provide the top-class asset security;
  • The downloadable wallets recommended are Lobstr and Solar, the prior being developed by SDF themselves;
  • For Web storage, they recommend Coinbase wallet. The wallet is different from the exchange account as the private keys are stored in the browser’s cache. Obviously, while being the most lightweight solution, it is also the least secure.

In addition to Trezor, ChangeHero team can recommend Exodus wallet for desktop or mobile storage and access to blockchains or CoolWallet S for hardware storage with mobile access. With these wallets, you can not just store Stellar lumens but exchange them as easily as you would do on our website with the help of ChangeHero’s API integration.

How can I use Stellar Lumens(XLM)?

As a utility token, lumens are best used within the Stellar network to facilitate trades between tokenized currencies. That being said, XLM is also popular with traders for speculation.

Quick settlements and transfers make Stellar (XLM) attractive to payment processors and gateways, so you can expect the currency to be supported anywhere where CoinGate or Bidali is used to accept crypto payments.


Stellar is one of the potential disruptors of the contemporary financial system that aims for everything Ripple aimed for and a bit more. Such ambition is risky but the work SDF are putting into the network seems to be in sync with the development tempo. It’s hard to say yet, will Stellar be the tech to revolutionize finance, but it will definitely be interesting to watch unfold.

If you also would like to know more about the developments in the crypto industry, stay tuned to ChangeHero Blog and follow us on our social networks: Twitter, Facebook, Reddit and Telegram.

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Author: changehero
November 7, 2019

Since its inception, Stellar has always been on top of the charts. It is a unique project that is aiming to redefine the cross-border money transfers. ChangeHero brings you a series of articles which would give you some useful insights about this interstellar of a project. This first article introduces you to Stellar, how it […]

Stellar and money transfer across the borders

Since its inception, Stellar has always been on top of the charts. It is a unique project that is aiming to redefine the cross-border money transfers.

ChangeHero brings you a series of articles which would give you some useful insights about this interstellar of a project. This first article introduces you to Stellar, how it works and resolves the issues faced by the protocol for enabling instant money transfers.

Stellar and its perks

To begin with, Stellar is an open-source payment protocol built to connect banks, businesses and people. Stellar aims to provide frictionless, quick and cheap transactions anywhere in the world at a fee costing less than a penny.

Jed McCaleb and Joyce Kim developed Stellar in July 2014 after a rift with the Ripple. The project is completely decentralized and a non-profit organization, Stellar Development Foundation, was set up to support the development and growth of the Stellar Network.

Ripple and Stellar appear to be identical twins but have fundamental differences. The former is a closed system whereas the latter is an open-source protocol. Lumen is the network’s native digital currency and stands among the most valuable cryptocurrencies. As of writing, Lumen was being traded at a price of $0.078407 with a total market cap over 1.5 Billion Dollars.

crypto meme
Credits: ChangeHero via imgflip

Unique features of Stellar

  • Transfer money across the world
  • Usage of real currencies
  • In-built decentralized exchange
  • Cheap and nearly free transactions
  • Confirmation times ranging from 3–5 seconds
  • Capable of processing thousands of transactions per second

No more waiting for transfers

Here’s a simple example of a real-life event where Stellar can be used.

Let us assume that Mr.X is a developer in the hustle and bustle of New York. He has to send $100 to his mother in Vietnam. Sounds simple but there’s a catch, their banks are not connected. Neither he has the time to stand in a queue nor the strength to pay the heavy fees laid by the money transfers.

Stellar website
Source: Stellar

This is where Stellar comes into play. Suppose, those two banks are connected to the Stellar Network then Mr.X can simply open an account in Stellar and send money through the protocol. His mother would receive the total amount in the local currency within seconds.

The same can be used by the banks, business entities or financial institutions to transfer money across the planet.

But how do they do it?

In order to bridge the gap and enable instant money transfers across the world, Stellar has to overcome three major issues.

Firstly, representing all the assets and currencies digitally, then exchanging these currencies on-the-go to enable interchangeability. Finally, resolving the double-spend problem.

Stellar uses a three-layered protocol to tackle these issues.

An anchor to hold your boat

To solve the issue with the representation of the currencies and assets digitally, Stellar protocol uses Anchors. Any business entity or financial institution can issue tokens on the Stellar platform and these issuers are called Anchors. For instance, a bank in New York can use the real-world assets like dollars, euros etc and convert them into Stellar tokens. Similarly, blockchain firms can issue crypto on the network. These tokens can be transferred from one person to another, stored and can be traded too.

Cash in your chips

Stellar user interface
Source: Stellar

Stellar protocol features an in-built decentralized exchange to overcome the interchangeability issue. The DEX permits trading of one token to another which are represented in an order book in the Stellar ledger. The in-house DEX is capable of performing direct exchanges by simply swapping one currency to another. In-direct exchanges by the incorporation of Lumens in the exchange process. And also by Conversion Chain, in which a series of conversions take place to reach the final required currency at the best rates. For instance, if we consider the case of Mr.X again, USD can first be converted to INR and then to BTC and later BTC to Yuan and finally Yuan to the Vietnamese Dong.


Stellar uses the Stellar Consensus Protocol (SCP) to prevent the double spending of the tokens issued on the network. SCP requires significantly less amount of energy and charges a very small fee. It also has the capability to sign thousands of transactions per second which is a major leap over Bitcoin and competitors. Besides, consensus doesn’t have a centralized entity and user have the facility to pick the validators.

These three layers form the core of the Stellar protocol and enable seamless money transfers among different parties across the planet.

What does Lumen actually do?

Stellar lumens
Source: Stellar

As explained earlier, Lumen is the official cryptocurrency of the Stellar network. It is abbreviated with XLM and unlike the rest, it is an inflationary currency.

To send or hold money on the Stellar network, a user has to hold Lumens. For every transaction, Stellar charges a small fee which is way smaller the traditional banks and money transfers. This fee can be paid only in Lumens. It also functions as an intermediate asset, aka bridge asset to perform the indirect and chain exchanges.

Discussion about Lumen, its performance and factors affecting it would definitely deserve a separate article. Watch this space for the next article in this series of stellar articles, pun intended. 🙂

An Interstellar

On the whole, Stellar seems to be a very promising project. The protocol has backing from big names in the business such as IBM, Deloitte and Wanxiang Group. Decentralization and extremely fast transactions are the biggest crowd-pullers of this project. ChangeHero believes that Stellar network is on its path changing the way we transfer money across the borders and in the near future instant money transfer will be cheaper and easier than emails.

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