The token used in Stellar is called Lumen. Users can regard lumen as basic currency, as well as transfer any account of legal tender, such as US dollar and RMB. It just takes a few seconds to confirm the deal, which is fast and convenient.

XLM is a new-type currency similar with bitcoin. It also is a payment network, which can support the payment of any traditional currency or digital currency, including US dollar, Peso, Euro and Bitcoin. Users can pay by any currency, while the network will convert it to another currency automatically. It is like a online platform for currency exchange, but many people doubt the authenticity.

It is announced officially that lumen is issued for free to attract more people to enter the field of cryptocurrency. However, it is still unknown that how will stellar develop in future. Is it a value-added currency? It may up to its amount of usage and if the network that it relies on can operate smoothly.