XLM, also known as Lumens, is the native digital currency of the Stellar network, an open-source blockchain platform established in 2014 by Jed McCaleb and Joyce Kim. Designed to facilitate seamless and cost-effective cross-border transactions, XLM acts as an intermediary currency, enabling quick conversion between different fiat currencies and digital assets. This functionality is particularly beneficial for remittances and micropayments, reducing transaction costs and settlement times. The Stellar network's consensus protocol ensures security and efficiency without relying on energy-intensive mining. By integrating with various financial systems and payment providers, XLM plays a pivotal role in advancing financial inclusion and bridging the gap between traditional banking and digital finance.