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# What is Stellar Lumen (XLM)?

**Stellar Lumen (XLM)** is the **native cryptocurrency** of the **Stellar network**, a blockchain designed to make money transfers **fast, secure, and low-cost** across borders.

**Key points about XLM:**
* **Bridge currency:** XLM helps facilitate transactions between different currencies, making cross-border payments seamless.
* **Low fees:** Transactions on Stellar are extremely cheap, often costing just a fraction of a cent.
* **Speed:** Transfers are processed in just a few seconds, unlike traditional banking methods.
* **Security:** Every transaction is recorded on the Stellar blockchain, ensuring transparency and trust.

With XLM, Stellar creates a global financial network that connects people, banks, and payment systems efficiently.