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Stellar Lumens (XLM) is a decentralized, open-source blockchain network that facilitates the transfer of digital currencies and assets. It was created to enable fast, reliable, and low-cost cross-border transactions.

One of the key features of Stellar is its ability to connect different financial systems and institutions, allowing for seamless transfers of value across borders. This is achieved through the use of anchors, which are trusted entities that issue assets on the Stellar network backed by real-world assets such as fiat currencies or commodities.

Stellar's consensus mechanism, called the Stellar Consensus Protocol (SCP), enables quick transaction confirmations and ensures the security and integrity of the network without the need for mining. This makes Stellar more energy-efficient compared to some other blockchain networks.

Another notable aspect of Stellar is its focus on financial inclusion. The network is designed to provide access to financial services for people in underserved or developing regions, where traditional banking infrastructure may be lacking. Through Stellar, individuals can send and receive money, access savings and credit services, and participate in the global economy more easily.

In addition to facilitating currency transfers, Stellar also supports the creation and trading of various digital assets, including tokens representing real-world assets, ICO tokens, and stablecoins.

Overall, Stellar Lumens aims to make financial transactions more efficient, affordable, and accessible to people around the world, while also promoting interoperability between different currencies and financial systems.