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The decentralized open source protocol Stellar (XLM), allows cryptocurrency transfers to fiat and vice versa. The purpose of this is to allow cross-border transactions between any pair of currencies easily, quickly and safely. The development of this protocol is supported by a non-profit organization called the Stellar Development Foundation. Its monetary unit is called Lumen, and is the native cryptoactive of this network..
This blockchain, unlike that of Bitcoin, is not designed to be used as a means of direct payment. Rather it is designed to be an intermediary in currency conversion. In this sense, it seeks to become a system that competes directly with Ripple (XRP). At the same time, the Lumen is a non-mintable cryptocurrency, and 100,000 million tokens were created at the beginning. These tokens are in the hands of the Stellar Development Foundation.