Editor’s Note: Greetings, American Institute for Crypto Investors readers – my name is William Johnson. You may not know it, but I’ve been behind many of your favorite crypto investing stories from the AICI Research Team. I have over 9 years’ experience in copywriting and tech writing. I got my start investing in cryptocurrency 7 years ago after the last Bull Run. Along the way, I had to learn everything for myself – mistakes and all. Now, I want to share that wisdom and experience with you.

Cryptocurrency is just one market that’s been violently roiled over the past few weeks. But unlike equities and commodities, nothing has fundamentally changed for the worse in crypto itself – it’s as solid an asset class as it was in November when prices were rocketing.

In other words, crypto volatility is collateral damage; it’s a spillover effect. Noise.

But more than that, it’s an opportunity – a chance to put our tried and true dollar-cost averaging strategy to work. We’ll build positions in cryptos we already own and want more of, and we’ll scoop up some bargains on coins we want to own.

And right now, I’m paying attention to Stellar Lumens (XLM), an open-source blockchain enhanced for payments and digital asset issuance.

I’m going to show you why it’s the “sleeper” coin this week and why you need to be paying attention to it, too…

Why XLM Is a Must-Own “Penny Crypto”

Stellar Lumens was created to help users solve the issues presented by cross-border transactions, mostly prolonged transaction and settlement times, and very high fees. Stellar wants to eliminate these problems for retail users by providing a quick and affordable method of sending money across the world.

The developers understand that – worldwide and right here in the United States – access to financial services is massively unequal; there are close to two billion un- and under-banked people in the world, 63 million of whom live in the U.S. These folks lack easy access to financial services and credit – and even if there was access, these services might be too expensive for them.

Stellar is dedicated to providing people across the world with access to financial systems, as long as they have an active internet connection and some basic hardware.

To be clear, Stellar is targeting a user base of two billion people, or nearly 10-times as many people as use Twitter every day. That’s why I want to own it – particularly at the current $0.14 price level.

What to Know about XLM

Stellar Lumens (XLM)* at a Glance

XLM Price: $0.1383 | Market Rank: 26 | Market Cap: $3.43B

Circulating Supply: 24.80B XLM | Total Supply: 50B XLM

*as of May 13, 2022

The Internet connected the world’s computers so information could be shared globally. Stellar is doing the same for money.

In order to accomplish this vision while ensuring integrity and neutrality, Stellar, unlike a bank, is a decentralized open network supported by a non-profit foundation that handles every currency and speaks to every payment system in its native language. This means that users can move money globally in seconds, no matter which bank they use.

Stellar allows for one type of currency to be sent from one peer and arrive as a different currency to the receiver. During its journey to the receiver, it will transition through a number of currencies. The Stellar network does this by checking if the straight currency pair swap is available.

This is all made possible by “Anchors” within the Stellar network. Anchors facilitate the exchange of currency within the network by being able to hold a deposit as well as issuing the credit in a different currency. And as all Anchors are on the same network, this process is incredibly fast.

Stellar Lumens’ Value Under the Hood

  • Speed: Using Lumens as a transfer method is an incredibly fast way to transfer money to someone, usually completing in around 3 to 5 seconds. It will reach the recipient faster than a wire transfer, especially if it is a cross-border payment.
  • Cost: As stated above, the cost of a Stellar transfer is impressively low therefore making it a very competitive method of transferring money compared to other methods.
  • Ease of currency exchange: For certain currencies, there may not be an easy currency pair to exchange the money from one currency to the other. When using Stellar, however, this is all carried out for the sender and recipient seamlessly on their behalf.
  • Ease of access: All retail users need in order to access Lumens is an internet connection and some software such as a Lumens-ready wallet or access to an online exchange.
  • Decentralized: The Stellar network is a decentralized network, meaning that no one authority controls the movement of Lumens. The community themselves authorize transactions, and a record of each transaction is stored on the blockchain.

Companies That Currently Use Stellar Lumens

  • IBM World Wire: IBM decided to use Stellar Lumens to help create World Wire, which enables financial institutions to send funds anywhere in the world.
  • Satoshi Pay: This is an instant micropayment method that removes the need for customers to have to traverse multiple pages to access online content. Now, they can reach it instantly with one click – and all because it runs on Stellar.
  • Saldo: Saldo is a company that will allow migrant workers to help care for their families back in their home countries by using Stellar’s rapid currency conversion abilities to top up things like their utility bills with ease.

XLM Is ISO 20022 Compliant

The ISO 20022 protocol is an ISO standard that will create a common language and model for payments around the world – connecting everyone to support a true internet of value.

This new protocol is already backed by SWIFT and the Federal Reserve, which will adopt the ISO 20022 message format for the Fedwire Funds Service, and banks from all over the world have already agreed to this global regulatory framework.

ISO 20022 is expected to roll out later this year and allow the global financial markets to transition toward the payment ecosystem of the future.

While many of the earliest cryptocurrencies were designed with the specific intent of avoiding such centralization, certain cryptocurrencies are already ISO 20022 compliant – and XLM is one of only a handful. This means that if the FSR decides to allow digital reserve currencies, XLM could be among the options considered.

We have more ISO 20022 compliant investment opportunities in place for you to help you navigate your portfolio through this dip, which you can check out here.

Remember – although this dip may linger, this is just the beginning for us. And we’ll be here to show you where all the hidden values are to put you in position when the market adjusts back up.

Invest safely,

William Johnson
Editor, American Institute for Crypto Investors

P.S. You can access our entire collection of featured penny coins by clicking here.


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Kentbourne McFarlane
Kentbourne McFarlane
1 year ago

This sounds great. Why is it still so cheap? Is there a time line when the “big boys” will catch on? I have to set up a new brokerage to buy it. My IRA are full.

American Institute for Crypto Investors Research Team
American Institute for Crypto Investors Research Team
1 year ago

Right now everything is cheap because it’s a Bear market, meaning this is the time to accumulate.

1 year ago

Interesting information. Just need the market to bounce back at some point. Thank you.

American Institute for Crypto Investors Research Team
American Institute for Crypto Investors Research Team
1 year ago

It will just be patient.

Anthony Wolseley wilmsen
Anthony Wolseley wilmsen
10 months ago

I use remotely to transfer funds from Spain to Philippines. Fee is under 3 euros and funds are deposited into recipients bank account in about 5 minutes. I went to stellar likens site and clicked on get started. It is not user friendly. I could not transfer funds from Spain to Philippines as easily and quickly as I can with remitly. When the service is not easy and fast to use, I fail to see why the public would ever use it.

American Institute for Crypto Investors Research Team
American Institute for Crypto Investors Research Team
10 months ago

Remember, the First Gen of any Tech in any space will not be user friendly; they will work the bugs out, and the Second and Third Gen Digital Transfer Systems will be groundbreaking.