đ Stellar (XLM) Powers the Worldâs First On-Chain UBI đ
The Marshall Islands has set a global precedent by executing the worldâs first on-chain Universal Basic Income (UBI) on December 16, 2025 â built entirely on the Stellar (XLM) blockchain.
đ¸ UBI funds were distributed via USDM1, a USD-denominated sovereign digital bond on Stellar, fully backed by U.S. Treasury Bills, ensuring transparency and compliance.
⥠Thanks to XLMâs fast settlement and ultra-low fees, payments were executed instantly on-chain.
đ˛ Distribution was handled through the Lomalo wallet, developed in collaboration with the Stellar Development Foundation and Crossmint.
đ This system directly addresses real-world banking challenges across 24 remote atolls, successfully reaching 33,000+ citizens who previously had limited financial access.
This is not just a pilotâit is a proof-of-scale. Stellar has moved beyond theory into sovereign-grade public finance. Use cases like this are what give XLM long-term credibility and intrinsic value beyond speculation.
⨠Bottom line: Stellar and XLM are now live at a national level, enabling compliant, real-world financial infrastructure.
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