Stellar (XLM) is a decentralized digital asset exchange platform designed to facilitate cross-border payments and currency exchange. Founded by Jed McCaleb, co-founder of Ripple, and launched in 2014, Stellar aims to improve financial infrastructure, especially in underbanked regions. The platform allows users to quickly and cost-effectively transfer money between different currencies. XLM, or Lumens, is the network's native cryptocurrency, used to pay transaction fees and provide liquidity on the platform. Stellar partners with financial institutions and technology companies to expand their capabilities and improve financial inclusion around the world.