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Stellar Lumens, a competitor of Ripple, created by one of the founders of Ripple, Jed McCaleb. However, there is a big difference between the two. Stellar focuses on the consumer by means of simplicity and scalability, in which Ripple mixes with large companies such as Google and financial institutions such as banks such as Santander. Stellar is also familiar with its collaboration with giants, namely IBM. As a result of this cooperation, a payment service has been developed for payments between different Pacific countries (Pacific Rim). Stellar is also a competitor of SWIFT, but Stellar has a great advantage, namely that the receiver and the sender can choose the desired currency for the transaction. In order to facilitate this transaction, there is Lumens (XLM). Unlike bitcoin or dash, the Lumens are used to pay for transactions that are sent over the Stellar blockchain with fiat currencies such as Euro and Dollar. You can see Lumens as a bridge between the different currencies involved in a transaction.