Stellar · XLM
Stellar for business: remittance rails without the remittance markup
Stellar was built for one job — moving money across borders cheaply — and it does it with five-second settlement, fees of a fraction of a cent, and anchor partnerships that touch real banking systems worldwide.
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Stellar is a payment network launched in 2014 by the nonprofit Stellar Development Foundation, purpose-built for cross-border transfers and currency exchange. Its architecture centers on 'anchors' — regulated on/off-ramp partners around the world — and a built-in exchange that lets value enter as one currency and exit as another in a single five-second transaction.
XLM, the network's native asset, pays fees and serves as a bridge between currencies. Stellar's institutional footprint is notably practical: humanitarian cash-transfer programs, remittance operators, and stablecoin issuance — USDC runs natively on Stellar — chose it for cost and reliability rather than narrative.
Why businesses hold XLM
The corridor case: businesses paying out across borders — remittance-adjacent services, global gig platforms, NGOs — use Stellar rails because a payment that costs a fraction of a cent and settles in five seconds changes their unit economics. XLM is the operational asset of those rails, with USDC-on-Stellar often carrying the dollar leg.
As a position, XLM is one of crypto's longest-tenured payment assets with liquidity to match, and a foundation-led ecosystem whose partnerships skew institutional and unglamorous — the profile of infrastructure that persists. The desk quotes business size two-way, with same-day dollar settlement.
How businesses use XLM
Cross-border payout rails
Run international disbursements over Stellar — five-second settlement at negligible cost, with USDC-on-Stellar carrying dollar value where needed.
Currency-bridge operations
Use XLM and Stellar's built-in exchange to move between currencies in corridors where traditional FX is slow and expensive.
Payments-infrastructure position
Hold XLM as exposure to remittance-grade blockchain rails with a decade of production history.
Payment rails
Move money around your XLM position
Fund Stellar purchases by business wire or card, and settle sales back to USD the same day — with branch service for the workflows that need it.
Money in — buy crypto
- Business wire (Fedwire)Bank-to-bank funding at any size — the rail for serious purchases.
- Debit & credit cardsBusiness cards accepted for fast, smaller buys — minutes to position.
- Cash at a branchHandled in person, compliantly, at our Atlanta and Miami offices.
Money out — off-ramp to USD
- Same-day ACH, Fedwire & RTPDollars in your operating account the day you sell — RTP can post in minutes.
- Cashier's checkBank-issued paper for closings, escrow, and counterparties who want it.
- Cash at a branchIn-person cash service with standard ID and reporting, at our branches.
Business Mastercard® debit cards are also available for spending from your account. About business cards →
Stellar for business — FAQ
How is Stellar different from other payment chains?
It's corridor infrastructure: regulated anchors for local on/off-ramps, a built-in currency exchange, and five-second finality — designed for cross-border money movement specifically, not general computation.
Can we send dollars over Stellar rather than XLM?
Yes — USDC is issued natively on Stellar, so the dollar leg of a payout can ride the same five-second rail, with XLM covering fees.
What does a Stellar transaction cost?
Fractions of a cent — low enough that fee cost is irrelevant at any business payment size.
How do we get from XLM back to bank dollars?
Desk quote, then same-day settlement by Fedwire, RTP, or ACH through your business account.
Put XLM to work
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Add Stellar to your company's balance sheet
Open a business account — most are approved the same day — and buy XLM by wire or card with desk execution behind it.
Important Disclosures
- Cryptocurrencies and stablecoins are not FDIC-insured deposits, are not bank guaranteed, and can involve risk, including possible loss of value.
- Cryptocurrency transactions are irreversible once confirmed. Verify all details before sending.
- Business verification (KYB) is required to open an account; approval timing depends on the completeness of your application and the complexity of your entity structure.
- Settlement timing depends on payment method, banking cutoffs, and your bank's participation in the relevant network. Same-day settlement is available for transactions confirmed within banking-hour windows.
- Third-party company, platform, and fund names are referenced for identification and description only; no affiliation, sponsorship, or endorsement is implied. All trademarks belong to their owners.
- Anytime Capital is a licensed money services business. Information on this page is educational and is not financial, legal, or tax advice.