Stellar (XLM)
XLM is the native asset of the Stellar network, used for transaction fees and meeting account reserve requirements.
Loading chart…
Show chart data as a table
Chart: TradingView Lightweight Charts™ · Data: CoinMarketCap
Stellar value in USD
Conversions using the latest available price. Excludes fees and the bid-ask spread.
| XLM amount | Value |
|---|---|
| 0.001 XLM | $0.000181 |
| 0.01 XLM | $0.00181 |
| 0.1 XLM | $0.0181 |
| 1 XLM | $0.1812 |
| 10 XLM | $1.81 |
| Budget | Estimated amount of XLM |
|---|---|
| $100.00 | 551.76605403 XLM |
| $500.00 | 2,758.83027016 XLM |
| $1,000.00 | 5,517.66054033 XLM |
| $5,000.00 | 27,588.30270165 XLM |
| $10,000.00 | 55,176.60540330 XLM |
On this page
XLM is the native asset of the Stellar network and is also referred to as lumens. Stellar is a blockchain network that supports payment and digital asset issuance processes. XLM is used for transaction fees and account requirements. Dollar or other asset tokens issued by other organizations on the network are different from XLM; their value and redemption terms may depend on the issuer.
The relationship between payment and issuance on Stellar
Identifying an asset on Stellar requires more than just looking at its code. The issuer account is also part of its identity. Tokens from different organizations can exist with the same USD code. These tokens do not carry the same redemption rights or the same counterparty risk. The fact that a transfer is technically possible does not guarantee that the actual asset represented will be delivered.
Services called Anchors provide entry and exit points between traditional money or assets and on-chain tokens. These services have their own customer onboarding, fee, and payment terms. The openness of the Stellar network does not mean every anchor service is open to everyone under the same terms. It is necessary to separately verify the identity of the service used and the assets it supports.
Why is XLM held in an account?
Stellar accounts may be required to maintain a certain minimum XLM balance. Certain entries added to the account increase this requirement. The goal is to make it difficult to consume network resources in an unlimited and cost-free manner. Therefore, the total XLM in a wallet and the sendable amount may not be the same. The current reserve amount should be checked from official documentation.
A Trustline is a record indicating that an account has agreed to hold a specific issuer’s asset. It is not necessary to establish a trustline in the same way for native XLM. If you are asked to create an additional record to receive a token, read which issuer you are accepting. Opening a record does not mean the token’s reliability is endorsed by the network.
In which cases is Memo information required?
Some exchanges use a common Stellar address for multiple customers and distinguish deposits using a memo. A memo is additional information that determines which account the transfer will be credited to. If the recipient service requires it, the memo type and value must be entered correctly alongside the address. A transaction that is successful on the chain with a missing memo may not automatically appear in the exchange account.
A memo is not mandatory for every personal wallet transfer; the requirement depends on the recipient. For example, if two customers are given the same address but different numbers, it indicates the use of a shared account. Check the recipient platform’s current screen before reusing old deposit information. Support may be required for incorrect matching, and the outcome of recovery cannot be guaranteed in advance.
Consensus and smart contracts
The Stellar Consensus Protocol uses an approach that allows participants to reach an agreement on a common ledger through trust relationships. It is not the same model as mining in Bitcoin. The security of the network is evaluated along with the configuration and connections of the participants. Low transaction fees alone do not mean all networks carry the same security features.
Stellar’s Soroban smart contract infrastructure allows for broader application development. Contract operations may have different resource and fee requirements than simple payment transactions. The presence of an application on Stellar does not prove its code is bug-free or that the token it issues is valuable. User permissions and application management should be examined separately.
XLM price and assets on the network
The price of XLM is not the same as the price of stablecoins issued on Stellar. The transfer of high amounts of dollar tokens through the network does not indicate that an equivalent amount of XLM has been purchased or that income has been distributed to XLM holders. It is necessary to distinguish between transaction value and network fees. Market capitalization is also not the sum of all assets represented on the network.
The chart and calculator on this page track XLM. For an actual transfer, the correct Stellar network, recipient address, memo (if required), and available balance should be checked. Representations of XLM on other networks may rely on a different bridge or custody structure than native Stellar balances. The market price alone does not provide sufficient information about the net result of your transaction after fees.