Stellar (XLM): The Coin That Wants to Be International PIX 1. What is Stellar XLM? Stellar is a blockchain network created in 2014 by Jed McCaleb, the same co-founder of Ripple. The goal: to transfer money between countries in seconds and almost for free. The network's token is called Lumen, with the ticker XLM. It acts as a "bridge currency." For example: you send Brazilian Real, the network converts it to XLM in 3 seconds, and delivers Dollar to the US account. No banks, no SWIFT, fee of $0.00001. Summary: While Ripple focuses on big banks, Stellar targets individuals, remittances, and countries without banking services. 9c37