Stellar XLM is presented as a digital asset, Lumens (XLM), and a decentralized platform, Stellar, made to present a new era of financial systems. The tea behind Stellar re-imagined the original crypto Bitcoin while aiming at creating an asset that would perform better and process transactions faster while being able to move value as fast as we move information across the internet. Unlike Bitcoin that uses Proof of Work protocol, Stellar uses Byzantine agreement, also known as Stellar Consensus Protocol, which is the precise factor to have conditioned fast and cheap payments via Stellar ledger. Unlike Bitcoin that can take hours to process transaction while having high fees for transaction validation through Proof of Work protocol, Stellar takes seconds to process your transaction while posing low fees.