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Buy Stellar Lumens

We feature the top brokers and exchanges that offer the option to buy Stellar Lumens (XLM) with a credit card or debit card. For larger sums you can also send a wire transfer. We list exchanges and services based on personal experience, and reputation. Please view the risks associated with cryptocurrency trading at the bottom of this page. Also access our affiliate disclaimer.

How to Buy Stellar Lumens (XLM) with a Credit Card or Debit Card



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What are Stellar Lumens (XLM)?

Stellar is an open-source, blockchain based, network.  Oversight of the Stellar network is performed by a non-profit organization, known as

The Stellar network is powered by its native token, ‘XLM’ – commonly referred to as ‘Lumens’.

What does it do?

Through its structuring, Stellar is able to facilitate cheap, and quick, transfers of value.  Much of the development surrounding Stellar is targeted towards the remittance industry, and cross border transactions.  One of the benefits afforded through use of the Stellar network is integrated asset conversions.  This means that the network supports a plethora of currencies, and can seamlessly convert between them.

How does it Work?

Stellar makes use of a proof-of-stake protocol.  This means that transaction validations occur through XLM holders ‘staking’ their tokens.  This simply entails the holder to store their asset in a supported digital wallet.  This process is significantly more energy efficient than proof-of-work models, and is growing in popularity.

Compared to most networks, Stellar makes use of its native token in a unique manner.  While XLM tokens can be used to complete transactions, their original purpose was to provide ‘friction’ to the network.  This friction is achieved by introducing modest transaction fees (payable in XLM), and minimum wallet holdings.  The purpose of this is to reduce/eliminate spam from being introduced into the network, clogging data blocks.

Projected Developments?

There are various developments and upgrades expected to be seen on the Stellar network in the coming years.  The following are a few of the largest on the horizon.

  • Increase robustness and stability
  • Establish Stellar on a world stage
  • Develop and improve use cases
  • Cross-border transactions
  • Securitize assets

Underlying Ideology?

While comparisons will always exists between Ripple and Stellar, it is clear that the guiding factors for development differ between each.  Stellar, in particular, was built with financial inclusion in mind.  By bringing new efficiency to cross-border transactions, a new subset of humans can now gain access to new financial opportunities.  Underlining the idea of financial inclusion, is the fact that the SDF is run as a non-profit organization.

Acceptance and Controversies?

For projects of its kind, Stellar has managed to establish higher levels of acceptance than most. The following are but a few of the companies that have partnered with, and utilize Stellar in some shape or form.

Beyond working relationships with these companies, Stellar is one of the most commonly supported assets on cryptocurrency exchanges, and is readily accessible for many.

For the most part, Stellar has avoided any real controversy.  There are those, however, that do not agree with the sway that the Stellar Development Foundation (SDF) holds over the network – due to the SDF controlling 30M of the 50M XLM in existence.

Aside from this, many view Stellar in the same vein as Ripple.  Much of this stems from the fact that the founder of Stellar, Jed McCaleb, was also a cofounder of Ripple.  Due to variances in network structuring, and actions by the SDF, Stellar has managed to avoid much of the same criticisms of Ripple, as most do not view it as likely to be a security.


To date, no official statements have been made by regulators on the status of XLM.

Outside of commentary by regulators, an independent group known as the ‘Crypto Ratings Council (CRC)’, has provided its input.  Based on its assessment of the Stellar network, utilizing assessment tools similar in nature to those that would be used by regulators, the CRC has given it a score of 3.75 out of 5.  This indicates that the project does indeed share various traits with that of a security.  For comparisons sake, the CRC gave similar scores to rival projects, like Tezos (3.75/5) and Ripple (4/5).

As with any investment or asset, always practice caution with assets surrounded by unknowns.  While there are various arguments pointing towards Stellar not being a security, there is always the chance that regulators such as the SEC will have a differing perspective.

Who Made It?

Stellar was first launched in 2015 by Jed McCaleb.  This endeavour was not the first foray into blockchain by McCaleb, however, as he is also the co-founder of Ripple, and the infamous Mt. Gox exchange.

Stellar Lumen Cryptocurrency Trading Risk Disclaimer

There is a very high degree of risk involved in trading securities, and this trading risk is  higher with Cryptocurrencies such as XLM due to markets being decentralized and non-regulated. There is no central bank that can take corrective measure to protect the value of Cryptocurrencies in a crisis or issue more currency. You should be aware that you may lose a significant portion of your portfolio. is not a registered broker, analyst, or investment advisor.

All information contained herein should be independently verified and confirmed. We do not accept any liability for any loss or damage whatsoever caused in reliance upon such information or services. Please be aware of the risks involved with any trading done in any financial market. Do not trade with money that you cannot afford to lose. When in doubt, you should consult a qualified financial advisor before making any investment decisions.

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This risk is higher with Cryptocurrencies due to markets being decentralized and non-regulated. You should be aware that you may lose a significant portion of your portfolio. is not a registered broker, analyst, or investment advisor.