Stellar Lumens and Ripple: Concrete or Little Brother? The first thing that is important to know about, as well as about any new product is its features, disadvantages and advantages. First of all, Stellar is a blockchain platform for transferring digital assets around the world. And here we can emphasize the first feature – an open network with open source code, in which every programmer can participate in updating the platform. Feature # 2: Lumen is the cryptocurrency of this platform, which was renamed in 2014 after a massive rebranding. In this case, XLM cryptocurrency acts play the role of an exchange center platform. We figured it out, but the question turned out to be the same – why are Ripple and Star Lumen compared? Mainly, the bottom line is that Jed McCaleb (one of the founders of XRP) launched the star system based on the Ripple protocol 6 years ago, resulting in a hard fork called stellarcoin (XLM) on the network. Just after these events, McCaleb called the inner coin of the star system – Lumen. That is why we can consider such a system to be completely authentic. This could not have happened if the author of the hard fork did not find the Ripple system decentralized enough. The main idea of Lumen is how it can facilitate several currency transactions at a certain point. The marker can be used as a “bridge” between various currencies that do not have a direct market. This brings added value to the star network. So what is the difference between Stellar and its competitors? Is it really good, or are these flaws overlapping merit? So what is the main difference between Stellar and other cryptocurrency platforms? The main difference between Stellar is that it is a non-profit project. Users who buy Stellar tokens help Stellar.org, a nonprofit portal that implements poverty alleviation technologies that enable people to use budget financial services. Advantages and disadvantages of Stellar. Main advantages: High transaction processing speed – unlike the first Bitcoin cryptocurrency, in the Stellar system, the transfer is sent immediately to the validator. Money is credited to the beneficiary’s account 5 seconds after making the payment;Low power consumption – without mining, thanks to the implementation of the Stellar Consensus Protocol, the process of checking transactions on the Stellar network is more energy efficient than using the Proof of Work (PoW) consensus algorithm;Easy access – XLM can be used for blockchain transactions in those states where virtual assets are little known or prohibited by the authorities. Disadvantages: Imperfect security system – in case of any suspicion of a hacker attack, the network freezes;Cryptocurrency cost reduction – stellar annual inflation is 1%;Low return on site content;Limited features for decentralized applications. Based on such indicators, we can safely say that this is a promising system that provides excellent data transfer speed, there is open source code, the time of distribution, supports thousands of transactions per second, but at the moment it can not be called ideal. What is XLM and where is it used? Lumen (XLM) is a digital currency operating on the Stellar network. At first, the tokens were called Stellar, but later, to avoid confusion, they were renamed “Lumens”. Lumens is a native asset of the Stellar network, which is not very familiar to most crypto enthusiasts. Interestingly, the Stellar Lumens tokens unexpectedly gained great fame, as their value has recently started to grow unexpectedly. In particular, XLM is embedded in the star network, where it acts as a unit of digital currency. Similar to how bitcoins and other cryptocurrencies work, Lumen cannot be physically stored, but users can use digital ownership of these assets using a private key. The Stellar network was launched with a capitalization of 100 billion in 2014, given that Lumens was renamed as part of the platform rebranding in 2015. It is easy to understand why Stellar Lumens will be of interest to investors. Currency can be used to simplify operations with multi-currency blockchains, regardless of existing markets and gateways. Does it mean investing in XLM? This is a difficult question to answer. There will always be a market for these tokens, but they may not necessarily be a speculative asset. Looking at this picture, we can accept the fact that the Stellar cryptocurrency has every chance of becoming a leading global platform, and its stay in 4th place in the capitalization rating makes this goal even closer.