The promise of XLM is fast, cheap, person-to person transactions.
Well guess what? There's already a coin for that. It's called Litecoin. LTC is already integrated into most crypto wallets and accepted by almost every exchange. There's no reason to use XLM.
More importantly, I see XLM as XRP (Ripple) lite. If you look into the agendas that Ripple is pushing, like CBDCs, it's not pretty. Stellar seems like they are on a similar trajectory, but on the consumer side. Since they both have the same founder, this makes sense.
If you think I'm joking, research CBDCs. Really research it. It's money that can be programmed to expire, you can be prevented from spending money in certain places...and that's just the tip of the iceberg. It gets much worse.
There's absolutely zero reason to use Stellar. It's pitched with a "humanitarian" vibe, but it's the opposite of that. Show Less