Stellar (XLM) s the open-source, XLM (distributed payments infrastructure) that is, in fact, aspiring to outstrip Ripple (XRP). The main goal is to conquer all the cross-border transaction and be the leading platform for such an important solution for people, banks, and institutions all over the world. Recently, Stellar (XLM) has partnered with Keybase who is well-known for its free mobile and computer security apps. Both companies are aiming to enhance cross-border deals with the purpose of connecting people with financial services costing lower than what users pay nowadays, and this way, fight against one of the major problems in the world which is poverty by developing the potential of each individual.