XLM

CointestMod

#Bitcoin Cash Pro-Arguments Below is a Bitcoin Cash pro-argument written by a deleted user. > Bitcoin Cash was designed to match Satoshi's original vision for a "peer-to-peer electronic cash" system when Bitcoin gradually shifted into becoming Store of Value. It is a hard fork of Bitcoin with minor differences. > > **Transaction costs**: On average, transaction costs are under a penny, way less than ~$20 for Bitcoin between Jan to May 2021. This makes it much better for P2P payments and microtransactions. > > **Transaction scaling** Even though there aren't enough many people using BCH to get anywhere near the cap, it does support 200 TPS. Real transaction size is the same as Bitcoin: ~500 bytes/Tx. This shows that BCH's 32MB blocks do not have wasted empty space. > > **High total transactions**: As of Oct 2021, according to BlockChair, there have been 345M transactions for BCH, which is over half of BTC's 680M transactions. That's way higher than Cardano (16M), Litecoin (91M), and XLM (38M). > > **Faster-adjusting hash puzzle difficulty**: Bitcoin has a notoriously-bad, 2-week hash puzzle difficulty cycle. It only adjusts every 2 weeks, which often causes issues when the network hash rate changes, like when China banned its miners in 2021. Bitcoin Cash doesn't have this issue becuase it uses an auto-adjusting, 144-block, moving-difficulty for its puzzle difficulty. It's constantly adjusting to match 10-minute block confirmations. > > **Shared hash function as Bitcoin**: BCH uses the same SHA256 hash function as BTC, which means that it can piggyback off the ASIC mining infrastructure of BTC. > > **No mempool delays** > > Unlike Bitcoin, which has seen transaction delays of 100K+ transactions several times in 2021, (equivalent to waiting 7-9 hours for settlement), there are no delays for BCH. Its mempool rarely goes above 1 MB thanks to both fewer transactions and 32x larger block size. ***** Would you like to learn more? Check out the [Cointest archive](/r/CointestOfficial/wiki/cointest_archive#wiki_Bitcoin_Cash) to find submissions for other topics.

LargeSnorlax

XLM is way worse, they've been doing massive distributions and inflation for years, there's zero reason to ever buy XLM ever unless you want to transfer something fast and all other pairs are disabled All its done is crater value since 2018, if you're holding onto it as a serious investment you have to seriously rethink your strategies

Planktons_Eye

I think, currently, XLM is a terrible coin to hold if you intend on making money. I put it above Xrp and right next to Litecoin because unlike Xrp they at least made a new atm last run. But idk, I’ve only used it a couple times to send funds because it was cheap.

apstl88

I'd keep some of them and invest some in the upcoming ones. I was never a fan of XRP, and I would sell that probably. Same with XLM. Of the ones that you mentioned, I would only leave GALA. Most of my investments are long-term ones, except memes. When it comes to some upcoming ones, I am keeping an eye on AI + DePIN project named Rivalz Network and interesting and innovative GameFi project called Akarun.

Patty-oDoor

Should I be holding my XLM or just trade it for something else? Hmm, have been holding it for years now…

jwz9904

XLM in top 10, what a ride.

Extreme_Nectarine_29

First comment with a real usecase: Crypto when was created had lower fees than banks. For example with XLM you can make 100 transactions with 1 cent. Nowadays most banks offer free transactions fees in order you pay a small fee every month.

bailtail

I mean, XLM is basically free. Thats what I use for transfers where supported.

Imaginary_Fee6786

XLM - global tokenization

Vegetable-Werewolf-8

My bag of XLM purchased at .075 is giving me major gains this week. Please continue. 

blockhead92

Stellar Lumens: XLM and related projects in the ecosystem (BLND, AQUA, PHO to name a few) Anyone feel free to contact me for reading material to learn why!

Grunblau

I am happy for my fellow XLM holders that get the pump by association.

cryptoAccount0

XLM

Grunblau

Short hand for taking advantage of a fake price differential due to whales buying XLM to buy BTC. Although technically not separate exchanges… they are different markets vs fiat. So instead of putting limit orders on BTC for USD, I’d buy BTC for XLM after buying XLM during a dip. XLM would pump, many times while BTC would dip briefly. Order would go through, prices would invert and I would end up with more BTC than I would have just buying the dip with USD. I think the ratio used to be 0.000005 to 0.00001 BTC per XLM. Now it is 0.0000017

Grunblau

Agree XRP is problematic from a ‘for profit’ perspective and having their hands tied for 3 years. Its cousin, XLM, has been at every major world conference and forum during this same time. If ALGO was on more platforms, it would be my favorite cheap transfer coin. I love the Algorand DeFi. I am awaiting good things from the Soroban upgrade on Stellar.

Grunblau

Back during the good times, XLM would pump like this before a big BTC pump. Became a great arbitrage play before I was left with the final bag.

Every_Hunt_160

Cheap transfer fees, which was a genuine advantage a few years back since LTC and XLM were the only big coins where you could move funds from one address to another under 1 cent But with the proliferation of 10,000 new layer 2s that has came out since offering this same feature, it really isn’t an ‘advantage’ any more

Obsidianram

Short-term gains? Nah. Since day one it's always been about profits and money behind the OGs - BTC/ETH, and crushing competition. The main reason BTC is even still in the discussion is because of the money tied up in it - it serves no worthwhile purpose. ETH is a centralized money-grab that now wants to be Cardano. Any chain that's ever provided security, speed and low xaction costs has gotten hammered...XLM, XRP. NANO...Cardano included. BTC & ETH have been cut-throat the whole way while playing the long game; hopefully Chang "Chang"es that...

moonRekt

I won’t touch Solana because I learned my lesson from XRP. But there’s XLM, ADA, Doge, LTC… after 7 years here I know I know nothing, but if you ride something into the top 5, the move is to sell. You’ll just be a bag holder in the end if you’re buying SOL now. Maybe it has a good run but in 5 years I bet it’s falling out of the top 30

Grunblau

Bought BTC, AVAX, XLM, ALGO and DOGE

whipstickagopop

From what I read in the past, it's super cheap and fast to transfer on Tron. I don't think they've had an issue with being down or anything like that so I think it's useful especially in 3rd world counties to transfer money quickly and cheap. XLM should have adopted a USDT version and maybe people would have used stellar more. 

nofaplove-it

XLM is a stable coin don’t expect much lol

SilkyThighs

I like XLM and ALGO with my LTC/BTC. Dont really care for ETH or others..idk

meparadis

XRP and XLM most suppressed cryptos

Blooberino

The best projects have shit price action: NANO, ALGO, XLM, BCC

funkybuddha_mtn

XRP & XLM are utility coins but XRP conspiracy theorists refuse to accept it.

josef3110

>People weren't using crypto before memecoins and , if all memecoins were to suddenly vanish today, people still wouldn't be using crypto. Sure, once in a while you see some guy on Reddit bragging about how he used XLM to buy a bagel or whatever but, for the most part, people only use crypto for investing or trading. Maybe this will change one day. Who knows? Plain lie - ever heard of pizza day? And about point 2: has nothing to do with the original topic and just tries change this thread to a different direction. Somebody looking for a greater fool to buy his/her package of worthless memecoins here?

CaptainRelevant

Well now we’re in the realm of the hypothetical as to what Ripple might do. I think, though, that since they’re sitting on a huge stockpile of XRP, that Ripple is the most interested party in XRP’s price going up. They also have so much invested in that ecosystem, along with additional 3D party developers, that I can’t see them starting another. If a Central Bank or otherwise wanted to start a new XRPL, they could just copy it like XLM did.

_Jimmy_Rustler

>If people stop buying meme coins then the whole circus will go away, and people can use crypto money for what it really was intended for. 1) People weren't using crypto before memecoins and , if all memecoins were to suddenly vanish today, people still wouldn't be using crypto. Sure, once in a while you see some guy on Reddit bragging about how he used XLM to buy a bagel or whatever but, for the most part, people only use crypto for investing or trading. Maybe this will change one day. Who knows? 2) If any chain has difficulty functioning because people are minting and trading memecoins on it, that chain is a bad product and probably doesn't even deserve to exist at all. LMAO If a bunch of people swapping kittycatdickfart coin ($KCDF) brings one of your projects to a crashing halt then you need to rethink your investment strategies. Among other things, this big crypto experiment we are taking part in is about personal freedom and decentralization. Blockchains need to have the capacity for people to do what they want on them.

dolphinmagnet

I think you’re both right and wrong. It goes in cycles. If I had sold when it was at 66K, I could have bought back 3 for every 1 the following year. I did that with ETH, but not BTC. I think you do have to plan on staying in the space for 10 years to really see some life changing gains, but after not selling enough in the 2021 run, I feel like a made a mistake. It’s been pretty good overall and I’m hoping to see one more run-up, but I’m 68 now, so that’ll probably be the end of it for me. I started in early 2017.  Haha, my other mistake, 500,000 XLM! Ouch! 

cinefun

I guess I’m a unicorn then. XLM and XRP did me well in 2017

Educational-Tree-128

FLR SGB SHX XDC XLM XRP READ THE WHITE PAPERS DO YOUR OWN HOMEWORK DELEGATION LIQUID STAKING NON-custodial wallets Bifrost, XAMAN

T-Shurts

I’m buying BTC, ETH, Algorand, Hedera and XLM.

Eightsense

Coinbase Derivatives Files with CFTC to List Regulated Futures for $SHIB, $LINK, $AVAX, $XLM, and $DOT These are also the coins that will be next for an ETF imo

T-Shurts

Algorand has the worlds first bond market tokenized on it and is working w/ the EU’s central bank. XLM is part of the group that Coinbase applied for a futures funds. XRP’s win over the sec is going to impact it’s short term price and I see it going much higher than it’s previous ATH once BTC really takes off. (It may not be USED like the others, and they have a token unlock coming up, so this one is a f🤞 that I’m not relying on)

CointestMod

#Stellar Con-Arguments Below is a Stellar con-argument written by FrogsDoBeCool. > # 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? Check out the [Cointest archive](/r/CointestOfficial/wiki/cointest_archive#wiki_Stellar) to find submissions for other topics.

CointestMod

#Stellar Pro-Arguments Below is a Stellar pro-argument written by FrogsDoBeCool. > # Stellar XLM, a revolutionary alt coin for the future > > * Stellar is a smart contract crypto currency > * Stellar smart contracts, SSC's generally have 4 goals that make them unique [source](https://www.leewayhertz.com/create-stellar-smart-contracts/) > * Multi-signature, by that I mean the scc finds the required keys to do a transaction from multiple parties, ie, a transfer of wealth from 2 or more people > * Atomicity/Batching, ensures if one part of the transaction fails the whole transaction fails, it's like removing a cancer cell. If one part of the transaction is corrupted it needs to be removed. > * Sequence, this finds the sequence and importance of a transaction > * timing, this is just a simple check if the transaction is bound by time, people can sometimes put dead man switches on these, like within 50 years someone's stellar will move from a personal wallet to an exchange > * Stellar allows the movement of digital assets and stellar lumens, which is to some, its main goal. It wants to connect financial establishments together. > * Ripple was made to act as a brother to xrp ripple, its goals are similar to xrp, and some devs of xrp left to work on xlm, although the differences begin building after that. > * Stellar, unlike xrp, had inflation... It was actually removed recently, because of the issues stellar had with the 1% annual inflation it had. This actually shows the flexibility stellar has with its tokenomics. > * Stellar, wanting to be more decentralized, distributed 95%\~ of its tokens to communities of people initially (although that may not be true today), compared to xrp which had the founders share 60% of the tokens. > * Stellar, really wants to compete with xrp for banking. > * Stellar allows people to transfer assets that isn't just stellar, like euros, USD, etc. Contrast to XRP which only allows iou's and xrp to be transferred from the xrp net. > > Overall XLM, stellar, is a really important project that is in competition with XRP. It seems technologically it has a win from xrp, and more importantly to me at least, it's not even close to being as centralized as xrp. ***** Would you like to learn more? Check out the [Cointest archive](/r/CointestOfficial/wiki/cointest_archive#wiki_Stellar) to find submissions for other topics.

zVenxmz

Not a single person here has said anything Welsh listening to Firstly - research, a lot of it. Then do a whole lot more BTC and ETH are going to collapse when USDT get regulated out of the market (research MICA - the US is next) Then look at cryptos that solve some real sleek problems - my advise is ISO20022 compliant assets XRP, XLM, XDC, HBAR, QNT and then the 2 gems that are SHX and VELO Again, research research research NFA

Extreme_Nectarine_29

I'm a XLM user too! I saw transactions occoring for a fraction of a cent! Honestly XLM must have one of the cheapest fees in the space.

fan_of_hakiksexydays

I use crypto for store purchases on a regular basis. I only use XLM, LTC, and Bitcoin. I've never used ETH for a store purchase. ETH is the chain for businesses, development, tokens, and smart contract technologies.

Grunblau

I’d probably put all of my money in XLM or USDC if I was looking at paying outside of a hyper inflating currency. Also, look into gold/silver tokenized assets like MELD. But for the bulk, I’d keep it in BTC.

Vegetable-Werewolf-8

I mean the fact xlm exists and everyone actually uses that instead when transferring money should have been a red flag for XRP, that's what's weird about XRP price being up so much. However, this bridge between EUR and USD you speak of is not as you think. My company paid their international partners in EUR. It took days to get there and you have to pay fees to banks facilitating the transfer. Instant payment via XLM for basically nothing is still preferable. Analogous to a bridge over a river, the bridge crypto provides is not necessarily a bridge that provides a way across, it just makes it so people don't have to walk a long ways to get to the established bridge and then pay a toll to cross. 

Blooberino

The worst thing is ALGO is my 2nd most used coin, next to XLM. Coins I've never EVER used are making me money, but ones thar are so easy/quick/cheap to use are hemorrhaging cash.

_TheWolfOfWalmart_

This is fine. There are plenty of ways to move money fast/cheap. USDC/USDT on Arbitrum, Base, whatever. There's no reason to bother with XLM etc anymore.

Oheson

XLM is my go-to coin for moving value around the cryptoverse.

CointestMod

#Bitcoin Cash Pro-Arguments Below is a Bitcoin Cash pro-argument written by a deleted user. > Bitcoin Cash was designed to match Satoshi's original vision for a "peer-to-peer electronic cash" system when Bitcoin gradually shifted into becoming Store of Value. It is a hard fork of Bitcoin with minor differences. > > **Transaction costs**: On average, transaction costs are under a penny, way less than ~$20 for Bitcoin between Jan to May 2021. This makes it much better for P2P payments and microtransactions. > > **Transaction scaling** Even though there aren't enough many people using BCH to get anywhere near the cap, it does support 200 TPS. Real transaction size is the same as Bitcoin: ~500 bytes/Tx. This shows that BCH's 32MB blocks do not have wasted empty space. > > **High total transactions**: As of Oct 2021, according to BlockChair, there have been 345M transactions for BCH, which is over half of BTC's 680M transactions. That's way higher than Cardano (16M), Litecoin (91M), and XLM (38M). > > **Faster-adjusting hash puzzle difficulty**: Bitcoin has a notoriously-bad, 2-week hash puzzle difficulty cycle. It only adjusts every 2 weeks, which often causes issues when the network hash rate changes, like when China banned its miners in 2021. Bitcoin Cash doesn't have this issue becuase it uses an auto-adjusting, 144-block, moving-difficulty for its puzzle difficulty. It's constantly adjusting to match 10-minute block confirmations. > > **Shared hash function as Bitcoin**: BCH uses the same SHA256 hash function as BTC, which means that it can piggyback off the ASIC mining infrastructure of BTC. > > **No mempool delays** > > Unlike Bitcoin, which has seen transaction delays of 100K+ transactions several times in 2021, (equivalent to waiting 7-9 hours for settlement), there are no delays for BCH. Its mempool rarely goes above 1 MB thanks to both fewer transactions and 32x larger block size. ***** Would you like to learn more? Check out the [Cointest archive](/r/CointestOfficial/wiki/cointest_archive#wiki_Bitcoin_Cash) to find submissions for other topics.

TheNathanNS

Why not just use Coinbase Advanced to buy XLM? The fees would be extremely minimal. It's like £0.06 for every £10.

CreepGawd

Have a childhood friend that brought it up every blue moon since about 2013. Then while d*cking around on robinhood with some stocks and a tiny bit of crypto in early 2021, Another friend from high school told me about Bitcoin/Crypto like twice within a span of a week. Decided to download Crypto dot Dom because I knew robinhood wasn't the best for Crypto even at that time. Unfortunately my first buy wasn't BTC. It was LTC and XLM. Eventually I found my way lol

Present_Bill5971

Using XLM/LTC for moving between exchanges to trade is outdated for years and a waste of money. Just move USDC/usdt on a chain that isn’t basic ethereum. Arbitrum, Optimism, Solana, etc. don’t make trades into another coin to transfer between exchanges. You’re just wasting money on fees and spread

Zelanor

XLM I believe

MasterDebater100

I'm sure this is a load of BS. Maybe you had a few crypto payments from a buddy. Practically no one pays with BTC or ETH, not to even mention LTC and XLM.

LucysReindeer

I remember when exchanges gave away XRP and XLM in learning activities 🙂 Nov 2019

The_Roaring_Fork

I hope XLM goes on a run and I can finally break even and get rid of it.

fan_of_hakiksexydays

Weird, because I've been using it as a currency. A lot of the customer for the company I worked used Bitcoin, ETH, LTC, and XLM to pay us. If you look at the data for usage as payment, Bitcoin and crypto usage has increased in each bull cycle. Today I learned that a lot of people, including myself, are called "nobody".

puddingboofer

XLM

PartBobPartRick

Stellar Lumens XLM

cedarrapidsiaus

Some solid picks up above. XRP, or XLM would be my guess. 

MasterOfReallity

Price is not going anywhere just like with XRP and XLM.

Allcaponero

LINK: up 150% DOT: Lagging behind competition, nobody cares about it currently XLM: This still exists? XRP: 0 reason for it to still be as high as it is in market cap LTC: Doesn't have much reason to go crazy Besides, its pretty clear looking at the charts that the times of rapid price explosion are likely gone. Everything's going up at a more steady pace instead of suddenly going ballistic.

Fluffy-Space-290

Lmao. What about LTC, XRP, XLM, DOT, LINK

fourniera64

Avalanche and Tezos are my biggest ones i am holding now as I see those increasing. And then just for Fun I have SHIB and XLM. But I am not expecting much from those. I had Uniswap, but I sold it when I was up $900

blockhead92

XLM and the exciting wave of projects on its new smart contract platform. BTC ratio is far off the charts in terms of upside

Individual_Wallaby25

XLM high hiving you....

Psykotixx

I like XLM too. Don't really use it anymore tho. Still have some tho. To whoever doesn't know XLM / Stellar was founded by Jed Mccaleb who co-invented XRP. But I went definitely went XRP over XLM for sure.

Blooberino

XLM is so much better than XRP. I don't use XRP. But I use XLM probably the most out of anything else.

RedKe

If you are new take it slow and don't over diversify until you have had time to get a feel for it. You are likely to end up bag holding a bunch of coins you no longer believe in. Find a layer1 smart contract network with low fees that you believe will do well long term and start participating in it community on reddit or elsewhere, and using some of the Dapps on it. Maybe pick up some of the most promising tokens of projects building on that network. Out of the ones you mentioned only BTC, ETH, SOL, and LINK are appealing to me, but I do hold a little XLM also.

faita14

XRP has terrible tokenomics, they issued out way to many coin shares to its creators as well as insiders and shillers. They control the coin and take the profits, it has very little upside as of now and the fact that anyone says it’ll hit above $2 is lying. The way the coin is setup currently it’ll never go above that. As for XLM, I don’t know tons about it, I do know there are much better spots to put my money though.

YOUNG-ARDS-SURVIVOR

Why do you say sell those tho? The XRP and XLM?

Morri787

At one point I had XLM and sold it. Since it has underperformed this cycle. XRP might be good now that there’s “ETF” rumors. I would invest that $1K into one of the top meme coins like DOGE, SHIBA, PEPE, FLOKI, WIF etc Sadly it’s what’s outperform the majority of the market. Or 50/50 into a meme coin & LINK or ALL into LINK. Link is great. I’m currently holding 1,150 tokens of LINK.

Lavasioux

Blackrock hold $300m in XLM, so possibly an XLM etf?

Infamous_Grass6333

These people have no idea. I mentioned SOL too, literally one of the busiest chains in the past year. Could care less if it’s been around since 2017 that’s a dumb metric. All around super low IQ takes here. Includes LTC XLM and DOGE but not SOL. Brain dead.

Infamous_Grass6333

This post feels like it was written in 2017. Not sure eras you’re looking at but LTC, XLM and Doge aren’t BC. BTC ETH and SOL are blue chips if that’s a moniker we were using. I spend all day in these markets since 2011. Solana is literally one of the most used chains right now and will eventually have a four figure price. Anyone who knows this industry knows that. You need to update your knowledge of crypto.

ifyoureherethanuhoh

Tell us you hold ADA, LINK, LTC, XLM without telling us you’re holding them

re-connection

I think the following qualify as blue chip: BTC ETH XRP XLM LINK ADA LTC Cryptos like HBAR or ALGO have the potential to make it there.

conceiv3d-in-lib3rty

Bro why are you wasting your time with all of last cycles gainers and a bunch of old coins that aren’t doing shit?? You’re also too spread for the amount of capital you have invested. You gotta ask yourself what that 5% of ADA is going do for you even if it goes up +50% (LOL). Invest in narratives, not top 20 coins that only have high market cap because huge volumes are being traded of them daily. LTC, ADA, EOS, XLM, XRP, NEXO, BNB have to go immediately. Honestly I would just convert everything back into BTC, ETH, SOL and reevaluate.

Josh-Lambo-Tudamoon

Lol at Democrats trying to cope. If you vote blue, you can’t be pro crypto. You know who has proven that? Elizabeth Warren, Brad Sherman, Sherrod Brown, Maxine Waters, Gary Gensler from the SEC (fka Hillary’s campaign CFO). The list goes on…. Trump will use crypto. But not BTC. He will be focused on ISO 20022 compliant assets like XRP, XLM, ALGO, XDC, ADA, HBAR.

PsillyCyban

^^^^ THIS ^^^^ Many places will accept multiple crypto currencies … BTC is a bit expensive ( ETH even more so ) with the fees for transfer. There are others like LTC ( Litecoin ) ….XLM ( Stellar) etc that have much lower fees . As others have said ,if youve been using bank transfers and are really only doing small personal amounts like $60 i doubt youd be the target of some investigation . However you should also be aware that companies can be the target of such and if they get a visit from men in suits they wont hesitate to turn over all records . Back to your question , start by looking into what exchanges are allowed in your location ( some countries severely limit which ones are allowed , you can use a VPN if necessary and set it to a different location but ive never trusted that ) . Next check those approved exchanges to see if any allow accounts without KYC ( Know Your Customer … its a system where you have to provide proof of identification to open an account … most require it but some will let you open one and just limit the amount you can buy /sell/receive / send to a few hundred $ at a time ) . Then youll want to open an account with the exchange you choose . You will need to ‘on-ramp’ funds …( send fiat -cash- to the account to use for buying crypto ) this can be done thru bank … debt card … apple pay …. paypal …. etc. After you have the crypto of choice youll need the receiving address from the company where youll send the crypto to . This should explain almost everything amd im sure you can get any other answers you need here but as others have said … only go with what is commented here in this post where everyone can see …. Sadly there are many scammers who prey on people who dont know what they are doing … im sure your innox has lit up with them since making this post

Skyobliwind

I have a quite small fraction of my portfolio in XRP, thought on selling it multiple times, but I still have it 🤷‍♂️ well will see what future brings, but I'm not really confident in XRP actually. From just the use case and technical aspect actually I think XLM is superior. (I do not have that tho 😂)

Josh-Lambo-Tudamoon

All of you pro-crypto democrats must be teetering on the edge of suicide. It’s the democrats in the U.S house and senate that have been the biggest roadblocks to crypto adoption/fact. Elizabeth Warren. Brad Sherman. Sherrod Brown. Maxine Waters. Sean Casten. Gary Gensler at the SEC. Trump has said in the past that he wasn’t a fan of Bitcoin and other cryptocurrencies and that’s because BTC is inefficient and there is a lot of crypto garbage out there. What Trump means to say is that he is pro ISO 20022 coins. (XRP, ALGO, XLM, XDC, HBAR and a few others). And don’t start the “Jay Clayton was a Trump appointment and sued Ripple on his last day in office” argument. Because most politicians are scumbags. And it was no skin off Clayton’s nose to file a law suit on his last day. He wasn’t going to be in the job that Gensler took over. It was Gensler’s job to try and thwart Ripple’s progress. Which he did. But now that case is coming to a final resolution. Gensler is about to be gone. Trump is about to be President again. Crypto is at the heart of these presidential campaigns and the democrats are losing the argument. You democrats are on the wrong side of history on this issue (along with countless other issues). So what do you love more? Crypto? Or Elizabeth Warren?

8512764EA

I got it the day the card came out. I pay everything I can with it. XLM and AMP used to be 4% rewards.

botnslave

BTC, ETH, BCH, LTC, XLM. I don't know how to read charts so I just DCA as I can afford. Prob never sell unless hard times

thistimelineisweird

Apart from the obvious of BTC and ETH, I will hold my XRP/XLM bags for the cycle, if not longer. Most of the reasons people here hate them are the reason why I bought in. Oh no, crypto designed for banks. I kind of like something facilitating money transfer between entities that actually have it. I respect if you disagree (really!), but I am just answering the question.  I also am making it a habit of holding at least 10% of any project I get out of as a what-if hedge. Doesn't really matter if it goes to zero at that point, and if it moons, I won't be upset.

fan_of_hakiksexydays

As someone who has actually shopped for groceries with crypto many times, this is not at all how it works lol. But I get what Algorand was trying to make, even if it was a bit exaggerated for this specific use case. Let's see now if they can get merchants and POS systems behind them. That would be nice. Even if they get half of the merchants that Bitcoin, LTC, XLM, etc... get, I'd be impressed.

Grunblau

I send XLM from RH to fund degeneracy elsewhere.

Zombie4141

The top ten in the market Cap of 2017 would be netting you even right now. NEO, XEM, BCH, MIATA, DASH, XRP, XLM. These are the ones I remember off the top of my head. You must be a trader. Which is not something 99% of the people here can do. HODL bitcoin and you’d have turned $1k into $66k.

CointestMod

#Stellar Con-Arguments Below is a Stellar con-argument written by Interesting-Engine34. > Though there are many things to like about Stellar (XLM). It also has some fundamental problems, which may affect its future viability. > > The biggest problem with Stellar is that it is too centralized. The Stellar Foundation hold 60% of XLM. In relation to this the network only contains around 35 validators centralized around SDF nodes making the network vulnerable, and unlike the mining rewards one can get from for example Bitcoin, there is no financial incentive to become a stellar node - which could lead to further node centralization. > > Secondly, DeFi and the upcoming ETH2.0 provides serious competition for stellar, making its future place in crypto uncertain. > > Finally, Stellar was created by a cofounder of Ripple (XRP) and shares a lot of similar use cases with Ripple. And Ripple Labs is currently being sued by the US SEC for not registering XRP with the agency and illegally selling a security. Such regulatory issues could potentially be a problem for XLM as well. ***** Would you like to learn more? Check out the [Cointest archive](/r/CointestOfficial/wiki/cointest_archive#wiki_Stellar) to find submissions for other topics.

CointestMod

#Stellar Pro-Arguments Below is a Stellar pro-argument written by StonedJourney. > 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? Check out the [Cointest archive](/r/CointestOfficial/wiki/cointest_archive#wiki_Stellar) to find submissions for other topics.

contact4me

ONLY COIN IM ACCUMULATING FROM YEARS XLM ; I want to accumulate as much as possible! with hard earned money 💰 .10c now will selling at 3$ until just accumulating. ✅💚✅✅🐉💚✅✅

ultraman_

Being able to send on L2 between exchanges basically makes XLM redundant. Being fast and free isn't really a use case anymore.

chrome_hearts_

I use XLM more than anything else, which is funny because it has disappointed so many. But damn is it fast! and gotta love virtually fee-less transfers

Blooberino

XRP and XLM are my biggest disappointments. As far as USING crypto, XLM is my go-to and it's still faring so poorly. I hold as well as use. I'm hoping 50c XLM will happen, but it's rough times.

Bagofgoats

XLM

jamjam794

XLM

iamthestigscousin

I've been using [ChangeNow](https://play.google.com/store/apps/details?id=io.changenow.changenow). Have used it a few times, seems to work fine. GBP > Kraken (or your exchange of choice) > Buy XLM (it's stable, fast, cheap) > ChangeNow (to convert XLM to XMR) > Personal Monero wallet

RefrigeratorLow1259

Yes, your own off chain wallet, send it from CB to there then send it to CDC then buy your CRO, or use XLM as I said.

RefrigeratorLow1259

You could sell BTC to Stellar lumens (XLM) send it to CDC then convert it back to BTC?

KodineDreamin

CEO Denelle Dixon, CTO Tomer Weller, and VP of Ecosystem Justin Rice from the Stellar Development Foundation (SDF) will hold an AMA on r/Stellar on Thursday May 9 @ 9:00AM PST (4:00PM UTC). This is your chance to ask the foundation that builds out the Stellar (XLM) Network any questions about smart contracts, network growth, tech updates and roadmaps, and what’s next from SDF. The AMA will run for approximately an hour. If you can't make it to the AMA, remember to leave your questions in the thread. The thread to the AMA is: https://np.reddit.com/r/Stellar/comments/1ciiki3/ama_with_the_stellar_development_foundation/ The last AMA the SDF had on Reddit was nearly 4 years ago! Hopefully this is the start to more engagement from the SDF on Reddit and a possible future AMA on r/cryptocurrency!

wh977oqej9

I know this is the Bitcoin sub, but in this case, I would rather use something like XLM or XRP for that small transactions... Can be used directly from-to each one hot wallet on L1.

MFKDGAF

How is XLM a security? Like, what information do they have that they think it is a security.

Sarah_RVA_2002

> Yeah totally doesn’t smell like a ploy team Warren cooked up… >The lawsuit alleges that the digital assets listed on Coinbase are securities. This includes Solana (SOL), Polygon (MATIC), Near Protocol (NEAR), Decentraland (MANA), Algorand (ALGO), Uniswap (UNI), Tezos (XTZ), and Stellar (XLM). The plaintiffs argue that these tokens constitute ‘investment contracts,’ subject to state securities laws OK, so just don't invest in them. I wish I could punch these people in the face.