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Stellar is a blockchain platform designed to facilitate fast and low-cost cross-border payments and currency transfers, particularly serving unbanked and underbanked populations. Its native cryptocurrency, XLM (lumens), powers the network and enables transactions while its unique consensus mechanism and built-in decentralized exchange allow users to trade different currencies seamlessly. Stellar distinguishes itself through its focus on accessibility, affordability, and partnerships with financial institutions to bridge traditional banking with blockchain technology.