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How to Buy Stellar Lumens (XLM)



 on is committed to rigorous editorial standards. We may receive compensation when you click on links to products we review. Please view our affiliate disclosure. Trading involves risk which may result in the loss of capital.

Stellar Lumens is a distributed payment infrastructure that features an open-source code. The platform entered the market with the goal to facilitate a more streamlined approach to international money transfers such as remittance payments. Today, the Stellar ecosystem is known for its affordable, fast, and reliable transfer capabilities. Specifically, the platform facilitates frictionless cross-border transactions. To learn more visit our Investing in Stellar Lumens guide.

We list the top 5 cryptocurrency exchanges that offer the ability to buy Stellar Lumens (XLM) cryptocurrency with a credit card or debit card.


Uphold is a commission-free desktop and mobile trading platform that gives you access to, and the opportunity to trade Stellar Lumens (XLM) and dozens of other cryptocurrencies. They have been in operation since 2014 and now boast a very credible reputation with more than 1.5 million users worldwide.

One of the most unique features offered by the company is that you can trade directly across asset classes. This vastly improves efficiency and allows for you to avoid any unnecessary conversion fees. So, if you want to trade Bitcoin for gold, or vice versa, Uphold is the place you can do that.

The services spread on Stellar Lumens (XLM) and other cryptocurrency ranges from 0.8% to 1.2% depending on the asset. This is the only fee you will have to think about though with Uphold being completely transparent and charging no commission.

UK & European residents are prohibited.

For the full lowdown, see our Uphold review or visit Uphold to get started now.

Uphold Disclaimer: Assets available on Uphold are subject to region. All investments and trading are risky and may result in the loss of capital. Cryptoassets are largely unregulated and are therefore not subject to protection.


Binance is one of the largest and most well-known cryptocurrency exchanges in the world. The benefits of purchasing Stellar Lumens (XLM) here is that you benefit from the lower exchange fees than competing exchanges, and the increased liquidity enables you to buy and sell quickly to take advantage of market moving news.

This exchange is best for Australia, Canada, Singapore, UK & international users. They do not sell Stellar Lumens (XLM) to USA residents.

Read our Binance Review or visit Binance.

Use Discount Code: EE59L0QP for 10% cashback off all trading fees.


Paybis operate a very well-trusted Bitcoin and cryptocurrency purchase platform where you can buy Stellar Lumens (XLM) and a range of other crypto using nothing more than your credit or debit card. They have been around since 2014 and have helped hundreds of thousands of people to make Bitcoin purchases.

If you simply want to buy XLM and hold then this is one of the easiest ways to buy XLM with a credit card or debit card.

USA residents are welcome excluding the states of Hawaii and New York.

Read our Paybis Review or visit Paybis.


Kraken is one of the longstanding names when it comes to cryptocurrency exchanges operating in the industry.

From humble beginnings, they have now gone on to become one of the most recognizable names in the space offering an extensive selection of assets to trade including Stellar Lumens (XLM).

The trading costs are competitive with other exchanges and they have continued to evolve now offering both futures and margin trading.

This is best overall exchange for USA residents.

Read our Kraken Review or visit Kraken.


Launched in 2014 BitPanda quickly established a positive name and reputation for being a great place to easily buy and sell Stellar Lumens in Europe. Since that time they have built on their stellar reputation to expand rapidly to where they now offer trading in a broad range of cryptocurrencies alongside the ability to purchase precious metals and a host of other services.

In total, they offer close to 50 cryptocurrencies you can choose from. This positions them well within the sector particularly among those brokers that facilitate an instant crypto purchase. Included in this range is BEST, a native token that BitPanda themselves has launched.

This is one of the best exchanges in Europe, residents outside of this region are prohibited.

Read our BitPanda Review or visit BitPanda.

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.

Daniel is a big proponent of how blockchain will eventually disrupt big finance. He breathes technology and lives to try new gadgets.

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