✦ Open-source blockchain protocol
Stellar connects banks, payment systems, and people. Fast, affordable, open financial access for every corner of the world.
✦ The protocol
Stellar is a decentralized, open-source network that enables fast, low-cost cross-border payments and asset tokenization. Unlike traditional finance, Stellar requires no central authority — transactions are validated by a distributed network of nodes in seconds, not days.
Built for real-world utility, Stellar bridges fiat currencies, stablecoins, and digital assets on a single interoperable layer.
✦ The mechanics
Any entity can issue tokens on Stellar — currencies, stablecoins, or real-world assets — anchored to off-chain reserves.
Anchors serve as on/off ramps, bridging the Stellar network to traditional banking rails and local payment systems.
The Stellar Consensus Protocol (SCP) validates and finalizes transactions across the globe in under 5 seconds with cryptographic finality.
✦ Use cases
Send money anywhere on Earth in seconds — without correspondent banks, SWIFT delays, or punishing fees.
Issue and trade tokenized bonds, equities, commodities, or real estate on a globally accessible ledger.
Stellar's built-in decentralized exchange enables atomic swaps and automated market-making without smart contract risk.
Sub-cent transaction costs unlock micropayment models — tipping, streaming money, and pay-per-use at any scale.
✦ Live network