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r/CryptoCurrencySee Post

ETH short term unpopular feeling

Does anyone remember when one of the biggest criticisms of XRP and XLM were their huge supply?

r/CryptoMarketsSee Post

All time low | best cryptocurrencies to invest in right now

r/CryptoCurrencySee Post

“Millennials and Boomers” and Crypto

r/CryptoCurrencySee Post

BigCommerce Now Allows Crypto Payments For 60,000 Merchants • ProCoinNews: BTC, LTC,XLM, QNT, BCH, Shib, etc.

r/CryptoCurrencySee Post

Things to Know and How to Save Money in Crypto

r/CryptoCurrencySee Post

Should I just sell ADA and XLM and reinvest?

r/CryptoCurrencySee Post

Should I just sell ADA and XLM (more info in the comment)

r/CryptoCurrencySee Post

Stellar development foundation owns ~60% of the max XLM supply

r/CryptoCurrencySee Post

Tell me how dumb this sounds so I can come to my sense.

r/CryptoCurrencySee Post

Crypto is going to be the only way for cross border payments

r/CryptoCurrencySee Post

How Crypto Saved Me From Spending Unnecessary

r/CryptoCurrencySee Post

It is 2032 what will the headlines say?

r/CryptoCurrencySee Post

How Crypto Saved me from unnecessary Spending

r/CryptoMarketsSee Post

ISO 20022

r/CryptoCurrencySee Post

The advantages and pitfall of meme coins: What are the risks? Can you still capitalize on them? If you're going to jump on them, when is the best time to buy them?

r/CryptoCurrencySee Post

Lobstr / VGD / XLM scam

r/CryptoCurrencySee Post

SEC Specifically Targeting Payment Rails

r/CryptoCurrencySee Post

Is Stellar (XLM) a Security?!?

r/CryptoCurrencySee Post

Looking to invest $500 in projects with potential please suggest.

r/CryptoMoonShotsSee Post

An introduction to our project

r/CryptoCurrencySee Post

In a World where banks rule and create money out of thin air through fractional reserve banking, how will crypto currency play a role? What incentive do these banks have to get rid of the fiat system? I see a list of crypto currencies that will be pushed through the ISO 20022.

r/CryptoCurrencySee Post

Coinbase Card's 4% XLM back has been extended through September 16

r/CryptoCurrencySee Post

Offchain perspective: PoW = PoS?

r/CryptoCurrencySee Post

Which project did you have really high hopes for, shilled relentlessly and unashamedly, only to end up with an egg in your face?

r/CryptoCurrencySee Post

Soroban - Smart Contracts coming to Stellar XLM

r/CryptoCurrencySee Post

Help with missing funds

r/CryptoCurrencySee Post

Stellar Lumens? or Lumens? PLease HELP

r/CryptoCurrencySee Post

Offchain perspective: PoW = PoS?

r/CryptoCurrencySee Post

Look back at the coins in the 20-40 m'cap range, 5 years to the day.

r/CryptoCurrencySee Post

Crypto.com XLM withdrawal delay

r/CryptoCurrencySee Post

Coinbase is winning the card game

r/CryptoCurrencySee Post

If I don’t buy Bitgert/BRISE tonight or tomorrow, will I miss out on potentially changing my life?

r/CryptoCurrencySee Post

Bull Run Confirmed 🚩🐂

r/CryptoCurrencySee Post

crypto payments in my commerce? help find the error

r/CryptoCurrencySee Post

How I bought my new car with crypto currency, paying loan payments with cyrpto and earning crypto in return?!!???!!!

r/CryptoCurrencySee Post

Let’s talk DCA?

r/CryptoCurrencySee Post

McCaleb changes his mind about his XRP. Woof!

r/CryptoCurrencySee Post

Insider tip #2... You don't have to just sit there waiting for it to go up! You can grow it while you wait. This is what strategy bot trading on binance futures looks like for my XLM. Bot trading is my favorite way. What is your favorite way?

r/CryptoCurrencySee Post

4% cashback has returned to Coinbase card

r/CryptoCurrencySee Post

CoinBase Card Rewards 4% XLM is back

r/CryptoCurrencySee Post

Coinbase has added its back 4% Reward July 18

r/CryptoCurrencySee Post

Does anyone know how to handle taxes in this scenario?

r/CryptoCurrencySee Post

XRP news abound this week! Former Ripple chair Barr Confirmed as new Fed Chief, Judge Netburn named the SEC 'hypocrites' in ruling, McCaleb (XLM) dumping nearly done. Whew!

r/CryptoCurrencySee Post

XLM Price Prediction: Can Stellar Lumen’s Price Touch $1?

r/CryptoCurrencySee Post

Practical blockchain use cases

r/CryptoCurrencySee Post

XRP news abounds this week as former Ripple chair Barr is confirmed at the Fed, Judge Netburn says the SEC are hypocrites, and Jed McCaleb (XLM) is almost done dumping

r/CryptoCurrencySee Post

Lots of XRP news this week! Former Ripple chair Barr new Fed chief, Judge Netburn calls SEC hypocrites in ruling, McCaleb (XLM) nearly finished dumping!

r/CryptoMarketsSee Post

XRP news everywhere! Judge Netburn tells the SEC 'you're hypocrites', Former Ripple board member Barr new Fed chief, McCaleb (XLM) nearly done dumping

r/CryptoCurrencySee Post

Former Ripple board member confirmed as Fed Vice chair a day after Judge Netburn slams SEC 'hypocrisy' in legal filing. McCaleb almost done selling. Whew!

r/CryptoCurrencySee Post

Is it safe to store AVAX on CoinBase account?

r/CryptoCurrencySee Post

What's the possibility of this sub being used to manipulate crypto prices?

r/CryptoMarketsSee Post

What are some coins with fast transfer speeds and cheap fees, which are traded on main exchanges?

r/CryptoCurrencySee Post

What are some coins with fast transfer speeds and cheap fees, which are traded on main exchanges?

r/CryptoCurrencySee Post

Impermanent loss

r/CryptoCurrencySee Post

My top picks for who will remain after regulation.

r/CryptoCurrencySee Post

XLM is the best coin in all of crypto....and it's a shitcoin.

r/CryptoCurrencySee Post

Ripple co-founder and former CTO, Jed McCaleb, is running out of XRP to dump in the market. Currently has only 114 Million XRP Left.

r/SatoshiStreetBetsSee Post

Top 5 cryptocurrencies to watch this week: BTC, UNI, XLM, THETA, HNT

r/CryptoCurrencySee Post

Brother Had 9K Worth Of Crypto Stolen (LF > Suggestions)

r/CryptoMarketsSee Post

XLM Price Analysis June 2022

r/CryptoCurrencySee Post

Xlm VS Ada, what future looks like for these two?

r/CryptoCurrencySee Post

Why ALGO and not XLM ?

r/CryptoCurrencySee Post

"Get a hardware wallet"

r/CryptoCurrencySee Post

A cautionary tale..

r/CryptoCurrencySee Post

I want to hear from you.

r/CryptoCurrencySee Post

Let's talk about the Fold App debit card and other debit cards with crypo rewards

r/CryptoCurrencySee Post

Has anyone else clocked that ISO 20022 compliant coins are gaining market dominance?

r/CryptoCurrencySee Post

Nexo comes through for me (after awhile anyway) - when I just started using crypto in January I made the mistake of transferring XLM without a memo… they “recovered” it and deposited it to my account today

r/CryptoCurrencySee Post

Harvard Digital $ Study names XLM and XRP

r/CryptoCurrencySee Post

Do my holdings make sense?

r/CryptoCurrencySee Post

what are the 5 cryptocurrency to invest in 2023?

r/CryptoCurrencySee Post

Coinbase reduces debit card rewards to 2%

r/CryptoCurrencySee Post

Stop trusting exchanges to store your crypto. I safely stored XLM on a freaking paper wallet for five years and I sure as hell wouldn't have trusted an exchange to hold my coins that long.

r/CryptoCurrencySee Post

Which Canadian exchanges?

r/CryptoCurrencySee Post

KuCoin is taking 5+ days on a XLM update that should just take a few hours. Meanwhile they are not having any good communication to the customer either.

r/CryptoCurrencySee Post

What Are You Loading Up On During This Market Downturn?

r/CryptoCurrencySee Post

Coinbase Exchange Debit Card - 4% back in XLM Stellar Lumen Gone?

r/CryptoCurrencySee Post

KuCoin is taking 4+ days on a XLM update that should just take a few hours. Meanwhile they are not having any good communication to the customer either.

r/CryptoCurrencySee Post

Everything we need to know about Stellar/Moneygram USDC offramp

r/CryptoCurrencySee Post

Jay-Z and Jack Dorsey Launch 'Bitcoin Academy' - "I got 99 XLM but a BTC ain't one"

r/CryptoCurrencySee Post

Could use some advice on most economic way to get USDT from avax c-chain to Gemini as GUSD

r/CryptoCurrencySee Post

What are the Key Differences Between Ripple and Stellar

r/CryptoCurrencySee Post

Stellar XLM wallet Lobstr now has Moneygram USDC cash out at any CVS worldwide!

r/SatoshiStreetBetsSee Post

Top 5 cryptocurrencies to watch this week: BTC, ADA, XLM, XMR, MANA

r/CryptoCurrencySee Post

No More 4% Reward on Coinbase Card

r/CryptoCurrencySee Post

Is there any reason to actually own XLM?

r/CryptoCurrencySee Post

What Coins/Tokens You ACTUALLY Use?

r/CryptoCurrencySee Post

Save some XLM in your lobstr wallet to participate in the 7/10 progressive lottery don't miss out it's only 3 XLM per entry. I dropped 69 entrys today, They added another Million Cannacoin, best of luck to all the winners! Share if you got in already 🎟🎫

r/CryptoCurrencySee Post

50k XLM Weekly No Loss Dist. Lottery on Stellar

r/CryptoCurrencySee Post

A Fortune500 Boomer Company Partners with a RANDOM coin

r/CryptoMoonShotsSee Post

Stellar Cannacoin is making great progress despite the rest of the crypto world. Come have a "puff" and learn about the community!

r/CryptoCurrencySee Post

Can anyone confirm/correct these numbers? Crypto newb making for crypto newbs.

r/CryptoCurrencySee Post

Reason why some people are saying not to invest in Alts during a bear market?

r/CryptoCurrencySee Post

Apps & Tricks everybody should know

r/CryptoCurrenciesSee Post

Will XLM recover because I’m a little worried

r/CryptoCurrencySee Post

Posting and Commenting is not the only way to get Moons

r/CryptoCurrencySee Post

Posting is not the only way to get Moons

r/CryptoCurrencySee Post

Is it finally time for XLM to shine??

r/CryptoCurrencySee Post

Thoughts on XLM now that the Shitcoin cull has begun?

Mentions

#Monero Con-Arguments Below is an argument written by aladdinr which won 2nd place in the Monero Con-Arguments topic for a prior [Cointest](/r/CointestOfficial/wiki/cointest_policy) round. > Monero suffers from its own success. While privacy coins always will have their utility, unfortunately this causes the coin to be so good at what it does that it may never really be an asset to explode in value. Why? Because it will always be used as a transactionary coin similar to XLM. Eventually I believe it will stabilize but unfortunately I don’t see the value continuing to go upwards due to how good it is at accomplishing its purpose. Double edged sword. On top of that I see the widespread acceptance being slow due to the fear that it will be used for criminal activity. While this may true and gives it intrinsic value for its useage, it will make widespread adoption slower due to those in power being afraid of it. This is evident by the lack of availability on exchanges like Coinbase. ***** Would you like to learn more? [Click here](/r/CryptoCurrency/comments/ovmtu9/rcc_cointest_coin_inquiries_monero_conarguments/) to be taken to the original topic-thread or you can scan through the [Cointest archive](/r/CointestOfficial/wiki/cointest_archive#wiki_Monero) to find arguments on this topic in other rounds. Since this is a con-argument, what could be a better time to promote the Skeptics Discussion thread? You can find the latest thread [here](/r/CryptoCurrency/comments/xta3ma/daily_general_discussion_october_2_2022_gmt0/).

Mentions:#XLM

Me personally, I’m buying XLM, ROSE, JUNO and ATOM. I also like XMR and you can never own enough BTC.

I only put fiat on my card right before I use it, I NEVER keep large amounts on it when I'm not using it. For example, Paying the phone bill, put the exact amount on the card, then swipe! ​ free XLM.

Mentions:#XLM

agree on that 100%, next bull run will bang like never before..also i belive there will be a great time for green cryptos like ALGO XLM VLX ADA...carbon neutral is the next hype of the future bull run

Stellar #XLM Stats for Oct 01, 2022 Transactions: 3,772,173 Operations: 13,269,579 (3.52 Ops/TX Avg) Average TX Cost: 0.001110 XLM ($0.000134)

Mentions:#XLM

Stellar performance by XLM today.

Mentions:#XLM

What is the problem you are experiencing? You can exchange it straight to fiat and cash out, but if Coinbase fees are your issue you can convert to XLM or XRP and send it somewhere else first, then convert it to fiat and withdraw

Mentions:#XLM#XRP

To me, KuCoin is one of those places I buy XLM elsewhere, transfer to KuCoin to buy some low market cap coins that aren’t on main exchanges, then immediately transfer to my wallet. It’s just has a sketchy feel to it.

Mentions:#XLM

Interesting. If you want to follow money makers, then this would be a good portfolio to have - although not sure about SOL (probably why there might be a small percentage exposed to it). BTC, ETH, stable coins, ADA, SOL, XRP, XLM.

XLM would be lovely!

Mentions:#XLM

lmao, if you have to ask I think you shouldn`t have such strong opinions about something you clearly don't know enough about. You go in through stellar, to a KYCless noncustodial exchange, XLM to Monero, to another monero wallet back to KYCless noncustodial exchange to whatever network gas token you want. No ID required whatsoever, nowadays there`s also crosschain dexes so once you get to an EVM chain you can jump to whatever other one. Not to mention you can also buy in through jarvis protocol depending where you are, or through gift cards. Shit, you could even go to localmonero.com and save yourself half of these steps. There`s plenty ways for the well informed, and of course it's less practical than going through a cex, but alas, only you know how much effort your privacy is worth.

Mentions:#XLM#EVM

That was me with XLM last run. Waited and waited and then finally a little run towards a dollar.

Mentions:#XLM

I have no money left but I keep watching things pump. there goes $RSR. now waiting for XLM and XRP.

Mentions:#RSR#XLM#XRP

I wouldn't call LINK a rival to Bitcoin or Ethereum. Also if better tech was all that mattered, NANO and XLM would rule the world.

Mentions:#LINK#XLM

This is why I’ll never touch XLM

Mentions:#XLM

Leave it to the tin foil hat with 53k “moons” to be shilling it in a bear market. Moons are absolutely, positively, without a shadow of a doubt a bullcrap ERC20 token--subject to gas fee gouging, metamask vulnerability. It has ZERO use cases. Strangely enough it used to have a use case for a few years, you could swap out of it without paying gas, for XLM, then XLM to real crypto. Mainnet moons are garbage.

Mentions:#ZERO#XLM

That is still a taxable event. I know this right now because I was going through this this week with an accountant. Had to determine DAI transactions to XLM, etc.

Mentions:#DAI#XLM

I have a few thoughts about why is that 1. Price volatility 2. Not enough business adoption (hard to find a place accepting bitcoin) 3. Lack of mainstream wallet with easy payment system integration 4. Lack of trust from the public I'm bullish on bitcoin adoption for payments, even if it's through some XMR,XLM,AMP Protocols with bitcoin used as collateral or smtg This because I see banks and hedge funds leaning towards BTC and accumulating during this bear so it may take 10+yes but we'll get there at some point Now is to see how regulations gonna screw us

XLM: How else are you going to send money between exchanges?

Mentions:#XLM

XLM: transferwise gone crypto

Mentions:#XLM

#Cardano Con-Arguments Below is an argument written by Maleficent_Plankton which won 1st place in the Cardano Con-Arguments topic for a prior [Cointest](/r/CointestOfficial/wiki/cointest_policy) round. > ###**Background** > > It has been half a year for Cardano ever since the Alonzo (smart contract) release, which revealed that it's very difficult to build a DEX for eUXTO transactions instead of account transactions. Even after the release of SundaeSwap and MinSwap, we've seen issues for DEX development. I'm still following the Cardano subreddit, and I think it's better now since its members are much less cultish/bullish than before. > > On the [Cardano development roadmap](https://roadmap.cardano.org/en/), there's only scaling (Basho) and governance (Voltaire) left, and Cardano's followers are much less excited about those updates as they were for the smart contracts. > > ###**Cardano Cons** > > **Current state of Cardano Smart Contracts and DEXs**: > > - **Programming adoption**: For Cardano's Plutus smart contract, Haskell is not a well-liked programming language and feels arcane in comparison the Javascript-like language of Ethereum's Solidity. It's been difficult to onboard smart contract developers, especially since Ethereum is already so far ahead on adoption. And most other smart contract networks also support Solidity. Cardano is alone on Haskell, making it expensive to develop for it. > * **DEX rollout** in the past 6 months was an absolute mess. Concurrency failures for the Minswap Dex during their Alonzo smart contract test revealed that it's much harder to develop a DEX on Cardano smart contracts due to the limitation of eUXTOs. Back in September, SundaeSwap published [a detailed explanation of the concurrency issues](https://sundaeswap-finance.medium.com/concurrency-state-cardano-c160f8c07575) plaguing Cardano. Proposed solutions involved centralization of the smart contract and using multiple UXTOs on a higher layer that would later settle on Layer 1. > * **SundaeSwap** finally released [an incomplete and slightly-buggy DEX](https://cryptobriefing.com/sundaeswap-promises-first-functional-dex-on-cardano/) on the testnet after many months of delays. It had [extremely slow speeds on SundaeSwap](https://beincrypto.com/cardanos-first-dex-sundaeswap-fails-to-impress-on-launch/) with a limit of only [9 users operations per minute per scooper](https://sundaeswap-finance.medium.com/expectations-congestion-mainnet-launch-e9da5abfd819). Their reputation was hurt badly after the [Cardstarter scandal](https://cardanofeed.com/cardstarter-and-sundaeswap-a-falling-out-story-42690.html) where SundaeSwap cheated their Cardstarter partner of initial rewards, in addition to rumors of front-running. > * **MinSwap** has now [doubled SundaeSwap in total locked value](https://defillama.com/chain/Cardano) in only 3 weeks, but even this DEX only sees a couple of million USD worth of swaps daily. No other Cardano DEX even come close in size. Compare this to a whopping [$1.2 billion daily volume for Ethereum network's Uniswap](https://coinranking.com/exchanges). In their defense, it's only been 1-2 months, so it could just take time to grow. Another downside is that neither of these exchanges natively support the most popular Cardano wallet, Yoroi. Instead, you have to install specialized extensions to use these DEXs due to DEX design complexities. > > **Scaling issues** > > * **Transaction speed**: ADA's current maximum transaction speed is about 8 TPS, which can [scale to 257 TPS](https://coinmarketcap.com/alexandria/article/a-deep-dive-into-cardano) without additional updates. While this was fine before the Alonso update, after the release of smart contracts, the network has become very congested. Top scaling is 1000 TPS without Hydra Layer 2 scaling. This is still nowhere near the limits needed for global adoption on Layer 1. Many of its competitors like Solana, Polygon, Algorand, and Terra, have surpassed its TPS. > * **Scaling** via Hydra and sharding is far away on their timeline (Basho update maybe Q2 2022 if there are no further delays). Hydra also uses multi-party state channels, which are not as simple or convenient to use as Layer 1. We still have scant information of the protocol on a detailed level. > * **Storage inefficiency**: Cardano: [12.26M transactions in 10.76 GB](https://blockchair.com/cardano) = 880 bytes / transaction. Ethereum: [1.27B transactions in 279 GB](https://blockchair.com/ethereum) = 218 bytes / transaction. Ethereum is 4x more storage-efficient even before Cardano releases smart contracts. If Cardano were to scale to 1000 TPS, it would increase its blocksize by at least 30 TB per year. > > > **Competitors** > > * Cardano's development has been extremely slow and delayed so much that its competitors have caught up: Cardano has fallen from #3 in market cap to #6 last year after Solana passed it, and it has further fallen to #8. There are so many (monolithic Layer 1) Ethereum competitors that can already do smart contracts with DEXs more efficiently with higher scalability than Cardano: Polygon, Terra, Algorand, Elrond. The academic researcher crowd that Cardano was targeting has moved onto supporting Algorand. Even if Cardano releases a working DEX, they're technologically-behind their competitors. > > **Fees**: > > * Cardano Transactions [fees](https://messari.io/asset/cardano/chart/txn-fee-avg) are currently about $0.40 - 0.50 USD as of Mar 2022. While these are cheaper than current Bitcoin network transaction fees of ~2-4 USD and much cheaper than Ethereum network transaction fees of 2-20+ USD, they're way more expensive than those of other many other competing crypto networks. Nano, ALGO, XLM, XRP, DASH, BCH, and MATIC fees are all below $0.01 on average, which makes them appropriate for microtransactions. > * Swap fees on MinSwap and SundaeSwap are way cheaper than on Ethereum, but still expensive at $2+ due to processing fees. > > **Diminishing Staking Rewards in the long run**: > > * Cardano is currently inflationary to about [5-6% annually](https://solberginvest.com/blog/is-cardano-deflationary/). The inflation by itself isn't bad, but it's coming from a diminishing rewards pool that will gradually disappear by 2030. In just 4 years from now, the staking reward will drop to 2-3% unless transaction fees rise drastically to replace the rewards pool. If it drops that low, people will stop staking Cardano, leading to less security and decentralization. > > Disclosure: I own a tiny bit of ADA. ***** Would you like to learn more? [Click here](/r/CointestOfficial/comments/ru2min/top_10_cardano_conarguments_january_2022/) to be taken to the original topic-thread or you can scan through the [Cointest archive](/r/CointestOfficial/wiki/cointest_archive#wiki_Cardano_(blockchain_platform\)) to find arguments on this topic in other rounds. Since this is a con-argument, what could be a better time to promote the Skeptics Discussion thread? You can find the latest thread [here](/r/CryptoCurrency/comments/xpwwdf/daily_general_discussion_september_28_2022_gmt0/).

Can someone explain to my why the Flexa network is even necessary when we have stuff like BTC lightning network, ALGO, XLM, etc? It just seems so worthless and a tax nightmare

Mentions:#BTC#ALGO#XLM

Depends where you live. In Canada, TD restricts purchases with my cards so i use Bitbuy to send a money transfer. Then buy XLM which has low fees and send it to an exchange like Coinbase to convert it to what i want.

Mentions:#XLM

#Monero Con-Arguments Below is an argument written by aladdinr which won 2nd place in the Monero Con-Arguments topic for a prior [Cointest](/r/CointestOfficial/wiki/cointest_policy) round. > Monero suffers from its own success. While privacy coins always will have their utility, unfortunately this causes the coin to be so good at what it does that it may never really be an asset to explode in value. Why? Because it will always be used as a transactionary coin similar to XLM. Eventually I believe it will stabilize but unfortunately I don’t see the value continuing to go upwards due to how good it is at accomplishing its purpose. Double edged sword. On top of that I see the widespread acceptance being slow due to the fear that it will be used for criminal activity. While this may true and gives it intrinsic value for its useage, it will make widespread adoption slower due to those in power being afraid of it. This is evident by the lack of availability on exchanges like Coinbase. ***** Would you like to learn more? [Click here](/r/CryptoCurrency/comments/ovmtu9/rcc_cointest_coin_inquiries_monero_conarguments/) to be taken to the original topic-thread or you can scan through the [Cointest archive](/r/CointestOfficial/wiki/cointest_archive#wiki_Monero) to find arguments on this topic in other rounds. Since this is a con-argument, what could be a better time to promote the Skeptics Discussion thread? You can find the latest thread [here](/r/CryptoCurrency/comments/xp0c4c/daily_general_discussion_september_27_2022_gmt0/).

Mentions:#XLM

Honest, completely unresearched opinion: XRP - Not sure what this coin does tbh, institutional potential? XLM - Not sure what the coin does other than for sending money at low fees ADA - kinda feels like the sega saturn of crypto: loyal fans but weird to develop for ALGO - more centralized than I would like, but I don't have much against it Too early to say: QNT - worth researching at the very least, small amount of coins issued so could see crazy price action if successful. XDC - never heard of it, will be fighting a lot of inflation HBAR - centralized, but institutional potential IOTA - all time chart looks pretty bad

Or ALGO. But my own conspiracy theory is that XLM is people’s money, XRP is bank money. Can’t have the average citizen tracking the money. If XRP wins, it is in a unique position.

Mentions:#ALGO#XLM#XRP

ALGO because I use the wallet for governance/Defi and have enjoyed the experience. Researched the ISO 20022 issue around the same time. XLM because it pumps before/ during the initial dumps and you can get good value on the BTC/XLM pair while everyone is moving their money. Also an XRP play for those of us in the US. Not ADA because I never used it for anything while I had it and I heard that programmers do not like working in the space. That was enough to qualify it for a trim from my portfolio. Due to Coinbase not letting you fully rid yourself of coins, I still hold like .00002 ADA, if it makes you feel better.

Of all of those I personally only fuck with XLM and I fuck with it heavily.

Mentions:#XLM

I usually do it with XLM. Fee is super low and it’s fast. Haven’t tried it with ALGO yet.

Mentions:#XLM#ALGO

Do you have a tech backing reason to why ALGO, XLM. The same way for why not Ada, other than a nonsense cheap shot? serious question

Mentions:#ALGO#XLM

ALGO and XLM are my number 3 and 4 biggest bags for this reason. I hold everything on your list except ADA because as an architect, I don’t know what the Americans with Disabilities Association brings to the table…

Mentions:#ALGO#XLM#ADA

What are some thoughts on ISO 20022 coins: XRP, XLM, ADA, ALGO, QNT, XDC, HBAR, & IOTA. I’m willing to have at least small bags of XRP & ADA. We all know the sub loves ALGO, and that’s something that I have on my watch list. But are these worth investing into?

Focused on XLM lately but still buying ROSE, ATOm and JUNO too.

#Monero Con-Arguments Below is an argument written by aladdinr which won 2nd place in the Monero Con-Arguments topic for a prior [Cointest](/r/CointestOfficial/wiki/cointest_policy) round. > Monero suffers from its own success. While privacy coins always will have their utility, unfortunately this causes the coin to be so good at what it does that it may never really be an asset to explode in value. Why? Because it will always be used as a transactionary coin similar to XLM. Eventually I believe it will stabilize but unfortunately I don’t see the value continuing to go upwards due to how good it is at accomplishing its purpose. Double edged sword. On top of that I see the widespread acceptance being slow due to the fear that it will be used for criminal activity. While this may true and gives it intrinsic value for its useage, it will make widespread adoption slower due to those in power being afraid of it. This is evident by the lack of availability on exchanges like Coinbase. ***** Would you like to learn more? [Click here](/r/CryptoCurrency/comments/ovmtu9/rcc_cointest_coin_inquiries_monero_conarguments/) to be taken to the original topic-thread or you can scan through the [Cointest archive](/r/CointestOfficial/wiki/cointest_archive#wiki_Monero) to find arguments on this topic in other rounds. Since this is a con-argument, what could be a better time to promote the Skeptics Discussion thread? You can find the latest thread [here](/r/CryptoCurrency/comments/xp0c4c/daily_general_discussion_september_27_2022_gmt0/).

Mentions:#XLM

I don't get the need for more than 2 pure transaction cryptos. XLM has always been one of those cryptos where I just don't see why it's needed. I guess I only see bitcoin, monero and 1 more pure transaction crypto surviving after the next bear market.

Mentions:#XLM

Stellar #XLM Stats for Sep 26, 2022 Transactions: 3,781,682 Operations: 12,983,852 (3.43 Ops/TX Avg) Average TX Cost: 0.001018 XLM ($0.000117)

Mentions:#XLM

#Stellar Con-Arguments Below is an argument written by FrogsDoBeCool which won 1st place in the Stellar Con-Arguments topic for a prior [Cointest](/r/CointestOfficial/wiki/cointest_policy) round. > # I'm just going to say it... Mt. gox. doesn't matter for stellar... there's something more serious > > * This is a con of stellar, not the person who made it, and previous projects he worked on. here are some less serious issues stellar has currently before we go deeper. > * Stellar.. is behind > * By that I mean xrp has first movers advantage. Don't get me wrong, XLM is still pushing forward, and got some good partners, but even with xrp bogged down with the sec.. it's behind. Stellar got about 3 million dollars to its foundation when it began, GOOGLE for gods sake invested in XRP, in 2013! Recently XRP got 200 million dollars from several banks in japan. > * ...Remember that time stellar literally just went offline? > * The validators for stellar are extremely centralized, and just because it's less centralized than XRP doesn't give them a pass. [src](https://cointelegraph.com/news/stellars-blockchain-briefly-goes-offline-confirming-the-project-lacks-decentralization) A Korean group found stellar had 3 massive validators, and when xlm was asked why the stellar network went offline, they said that the new validators had too much work put onto them. What does that mean? there are too few too little validators - that adding a few requires that validator node to have an extreme amount of computational work. > * The Korean group that studied the security of stellar concluded that **if just 2 nodes go offline the whole thing could collapse**. 2. THAT'S NOT A LOT. [src](https://sites.google.com/view/stellar-analysis) when this report was taken there were 28 times that 2 nodes had gone offline or failed multiple transactions. Meaning by then, not even now, **stellar could of gone offline 28 times**. Don't forget if 3 nodes go down, 100% of the time stellar will go down with it. A ddoser could take down the entire stellar network by ddosing three nodes, not even the largest 3, three random ones. > * Why not just make more validators then? > * Why would you? Stellar validators don't generally make any income. So it's really just the stellar foundation that has made validators for stellar, which again is really bad and makes it all centralized. > * Oh dang, stellar's got some issues. The idea of stellar being decentralized is a myth, and even if you wanted to become a validator node to help decentralize stellar, tough luck, you get nothing in return. except probably a broken computer because of the difficulty of running validator nodes on stellar. ***** Would you like to learn more? [Click here](/r/CryptoCurrency/comments/og1lx8/rcryptocurrency_cointest_rcc_top_favorites/) to be taken to the original topic-thread or you can scan through the [Cointest archive](/r/CointestOfficial/wiki/cointest_archive#wiki_Stellar) to find arguments on this topic in other rounds. Since this is a con-argument, what could be a better time to promote the Skeptics Discussion thread? You can find the latest thread [here](/r/CryptoCurrency/comments/xo380x/daily_general_discussion_september_26_2022_gmt0/).

Mentions:#XLM#XRP

#Stellar Pro-Arguments Below is an argument written by StonedJourney which won 1st place in the Stellar Pro-Arguments topic for a prior [Cointest](/r/CointestOfficial/wiki/cointest_policy) round. > 1.[Transaction Speed at 1000 "txs" per second](https://blokt.com/guides/what-is-stellar-lumens-xlm) with 100 stroop fees (0.00001) XLM could easily do 10K "txs" per second if all nodes were using "high end" servers. 5 sec or less transactions; No waiting for multiple confirmations. Transactions are Final. > > > 2. [Extremely Low Fees](https://support.blockchain.com/hc/en-us/articles/360019105431-Stellar-transaction-fees) with [Bump Fee](https://www.stellar.org/developers-blog/how-we-simplified-fees-on-the-stellar-network) option. Stellar's fees will always be low $0.000001/TX now, $0.001/TX if stellar reached $100, and $0.01/TX if it were to reach $1,000. > > > 3. Highest Real Volume of all blockchains to date. (A record [39,435,952 TXs on 10 Jan \`21](https://coinstats.network/blockchain/Stellar)) > > > 4. [Built in Dex](https://www.lumenauts.com/lessons/stellar-decentralized-exchange). You can trade directly from your wallet or ledger. No need to rely on Centralized Exchanges. > > > 5.[Ability for anyone to tokenise any asset](https://www.stellar.org/learn/the-power-of-stellar). While this can be/is abused it is very important that stellar remains open to everyone for everyone. > > > 6. [Payment Paths](https://medium.com/stellar-community/understanding-stellar-path-payments-5eefe55b071b) Say you have USD and want Yen You can utilize payment paths to ensure you get the best value and not just the direct market rate. > > > 7.[Send Fiat/XLM/Asset back tokens like email](https://www.lumenauts.com/guides/what-are-federated-stellar-addresses) with ability to send xlm like an email or sms message. E.g. Instead of using long blockchain address You can send xlm like User\*stellar org > > > 8. Built in Anti-Fork; Stellar will not fork, [the system will rather halt than fork](https://www.stellar.org/developers-blog/may-15th-network-halt). > > > 9.[Smart Contracts coming soon](https://www.stellar.org/events/turing-complete-contract-proposal-for-stellar); Stellar is actively developing Turing complete contracts (like Eth) > > > 10. Ability to [follow AML/KYC laws](https://www.stellar.org/blog/drive-inclusion-through-compliance) and for tokens to require KYC on wallet. > > > 11. [23/50 Billion](https://www.coingecko.com/en/coins/stellar) total xlm in circulation already; Stellar burnt Half the supply permanently. > > > 12. [Fees are no longer re-distributed and inflation disabled](https://developers.stellar.org/docs/glossary/inflation/) making xlm deflationary. > > > 13. Multiple big partners like [IBM](https://www.stellar.org/case-studies/ibm-world-wire), [Franklin Templeton](https://www.coindesk.com/franklin-templeton-to-track-money-fund-shares-on-stellar-blockchain), Bitbond, and more > > > 14. Stellar is able to be built on in [multiple languages](https://developers.stellar.org/docs/software-and-sdks/) > > > 15. [Sharia compliance certification](https://www.stellar.org/blog/stellar-receives-sharia-compliance-certification-transfers-tokenization) > > > 16.[Asset Clawback Feature](https://stellar.org/blog/using-protocol-17s-asset-clawback) > > > 17. [Stellar transactions have finality](https://www.coindesk.com/franklin-templeton-to-track-money-fund-shares-on-stellar-blockchain) > > > 18. Stellar is supportive of the community as a whole consistently focusing on less fortunate [1](https://stellar.org/blog/celebrating-womens-history-month).[2](https://stellar.org/blog/women-building-in-blockchain-a-spotlight-on-sdfs-technical-talent). > > > 19. [SDF Stands up for the crypto community](https://stellar.org/blog/sdfs-supplemental-comment-letter-on-fincens-nprm?locale=en) as they have repeatedly replied to government regulatory pushes > > > 20. [Association of Ukrainian Banks Admits SDF as Member](https://stellar.org/blog/association-of-ukrainian-banks-admits-sdf-as-member) > > > 21. SDF is working on [automated market makers](https://stellar.org/blog/introducing-automated-market-makers-on-stellar) for the Stellar DEX > > > 22. [SDF at the IMF-World Bank Annual Meetings](https://www.stellar.org/blog/sdf-at-imf-world-bank-annual-meetings) > > > 23. [NFT's Available on Stellar](https://stellar.org/events/nfts-on-stellar) > > > 24. [Mandated Release of Future Lumens](https://www.stellar.org/foundation/mandate) > > > 25. [USDC Stable coin](https://stellar.expert/explorer/public/asset/USDC-GA5ZSEJYB37JRC5AVCIA5MOP4RHTM335X2KGX3IHOJAPP5RE34K4KZVN-1) on Stellar with 12.7 Million currently issued and 20K trustlines. > > ​ > > I am currently invested in multiple crypto currencies. Stellar is one of those currencies. ***** Would you like to learn more? [Click here](/r/CryptoCurrency/comments/og1l8t/rcryptocurrency_cointest_rcc_top_favorites/) to be taken to the original topic-thread or you can scan through the [Cointest archive](/r/CointestOfficial/wiki/cointest_archive#wiki_Stellar) to find arguments on this topic in other rounds.

Mentions:#XLM#DEX#USDC

No is the answer, for a number of reasons. It’s probably the most underrated crypto in the market, along with XLM.

Mentions:#XLM

It really depends on your timing. Even XLM, a dino coin that under performed a lot of other projects in 2021, still pulled a 20x from it's March 2020 lows to it's bull market highs in May 2021. If you manage to buy towards cycle lows (very, very hard to predict), you can still make good money on existing/old markets. Just don't expect new ATH's ever.

Mentions:#XLM

The fact that XLM is actually used compared to the pure speculative crap ahead of it says a lot about the market.

Mentions:#XLM

I had such high hopes for Stellar during last bull run..but nothing moved it unfortunately. I hope next run proves to be more kind to XLM

Mentions:#XLM

I’m starting to think that XLM is a stable coin in disguise - fast and cheap transactions at that.

Mentions:#XLM

Make a kucoin account, don't KYC, fund it with XLM...buy perps.

Mentions:#XLM

XLM looking fuckable to me lately.

Mentions:#XLM

The GALAXYVOID... The Locked wallet that holds the 50 Billion burned XLM. A thing of beauty. https://stellar.expert/explorer/public/account/GALAXYVOIDAOPZTDLHILAJQKCVVFMD4IKLXLSZV5YHO7VY74IWZILUTO

Mentions:#XLM

I am considering starting to use my Pera Wallet. I'd like to move my ALGO from CB and learn how to stake it in Pera. Then I'd have two of my assets (with ADA staking in Yoroi) out of CEXs. That could help to diversify my holdings. Don't get me wrong, I like CB (i.e. 4% XLM Rewards), but I'm glad I'm spreading a couple of my assets to lite wallets. I also think Polkado is currently experiencing slightly more downward pressure than other ALTs because DOGE suddenly took its spot in the Top 10. I hope it doesn't lag too far behind, but I'm not sure. I know they are investing in 'parachains' but I can't really make out their larger goal for crypto. What do people think here? Does DOT have a future?

XMR ease of acquisition, BTC on chain transactions are quite a bit higher fees and slower. I don't know anyone who takes XLM really. So yeah pretty much...

Mentions:#XMR#BTC#XLM

That's a solid answer. What gave it priority over similar projects like XMR, XLM, or BTC(with LN or privacy options) itself? I'd assume CEX availability/speed?

Then they made XLM and made even more money.

Mentions:#XLM

I get warm & fuzzy by using my CB card to pay my bills and get a FREE 4% back in XLM.

Mentions:#FREE#XLM

Second this. I also love Juno and I think XLM is worth holding too.

Mentions:#XLM

Depends on who you ask, some might quote BTC white paper while others created this narrative that it’s a inflation hedge if you check it’s price history. If you’re looking for sending funds quick, cheap and stable then there’s better options for that (XLM).

Mentions:#BTC#XLM

You can exchange crypto for icp with SwapSwop P.S. Personally I use BNB (BSC) or XLM

Mentions:#BNB#XLM

XLM for sure. I’ve sent many thousands using XLM. Every transfer has come within a few minutes, and it has cost me a total of $0. The best crypto at what it does in my opinion.

Mentions:#XLM

Personally i like XLM for the settlement speed

Mentions:#XLM

Hell yeah , XLM is my go to for moving funds around. Almost instant settlement, near nothing in fees, and almost on every exchange you could think to use... Got mad love for XLM

Mentions:#XLM

I'd definitely use XLM. Fast transactions and super cheap. The dev ream is amazing as well.

Mentions:#XLM

XLM ser. Well connected, well respected, great at what it does and pumping nicely this week.

Mentions:#XLM

Damn that XLM candle tho 👀 Like 5 minutes after my DCA too 🙌🏼

Mentions:#XLM

Okay. But do you know that XLM is the sister company of XRP? Like they're just the same but if XLM has lower fees then that's better.

Mentions:#XLM#XRP

Why XLM when you can use XRP? Oh, its not available in the US?

Mentions:#XLM#XRP

I only use Monero and XLM anyway...

Mentions:#XLM

XLM. The transfer fees are extremely low. I actually accepted XLM for payment on items I resold online because of how low the fees are and how quick I received payment

Mentions:#XLM

I would add that with trustlines, SDEX offers, etc. all requiring reserves, the price of XLM going too high would harm all of that utility.

Mentions:#XLM

Both BCH and XLM are designed to be used. They aren't a good store of value, but are amazing at quick and cheap transactions!

Mentions:#BCH#XLM

EOS XLM because cheap txn fees

Mentions:#EOS#XLM

XLM, XRP, and of course DOGE!!!!

Mentions:#XLM#XRP#DOGE

XLM doesn't really have a niche now you can just send / receive USDC on alt layer 1s for fraction of a cent as well.

Mentions:#XLM#USDC

XLM and Nano

Mentions:#XLM

Stellar #XLM Stats for Sep 24, 2022 Transactions: 3,967,933 Operations: 12,775,347 (3.22 Ops/TX Avg) Average TX Cost: 0.001008 XLM ($0.000119)

Mentions:#XLM

XLM all day baby, it just “work”, it’s fast and cheap. What more can you ask for?

Mentions:#XLM

XLM, XRP, both are made for transactional

Mentions:#XLM#XRP

Litecoin. Also XLM for the same reasons.

Mentions:#XLM

XLM baby

Mentions:#XLM

I hope Algo does well, if regardless of price, I personally like XLM, transactions are fast and cheap

Mentions:#XLM

XLM, as long as their transfer fees remain low.

Mentions:#XLM

I’m in the UK but I was able to transfer from Binance to Coinbase (I converted to XLM because of the low transfer fees), then take it out through PayPal without connecting a bank account

Mentions:#XLM

XMR, Doge, XLM, LTC, and a bunch of other alts that have been around will probably continue to be around too

Mentions:#XMR#XLM#LTC

XLM is the closest thing I have to a stable coin in my portfolio 🤣

Mentions:#XLM