 Our all-coin of the week this week is Stellar Lumens. This is because Stellar Lumens is pretty stellar. It has ambition and it has consistently climbed its way to the top 10 by calmly cultivating its name and product without being too flashy or over-eager. Founded by Jed McCaleb and Joyce Kim back in 2014 as a fork of that which must not be named, with a goal to fight poverty and help people reach their full potential. It is supported by the non-profit Stellar Development Foundation. As a non-profit, the foundation collects tax deductible donations which allowed them to further improve their product and platform while keeping a cost effective. Stellar doesn't use mining. 100 billion pre-mined coins were created and issued out during various air drops and allocated for various purposes. Stellar uses Stellar Consensus Protocol which syncs all Stellar servers every two to five seconds. Anybody can act as a Stellar server thereby creating a decentralized network of entities validating transactions. This protocol also utilizes anchors. Anchors take a deposit from you and issue credit to your Stellar ledger account. This means that you have to trust the anchor to honor your deposits and withdrawals. Think PayPal. If PayPal were on the same network with Western Union and Moneygram and all other anchors so that transacting between them were rabid and cost-effective. There aren't many choices for cross-border payments. There are various payment processing services which charge very high fees. You can make a wire transfer which can take up to three to five days and charge also very high fees. This makes cross-border payments a bevy of hoops and sticky fingers. So here's how Lumens plans to change that. Stellar will find the best rate of exchange automatically between two currencies and make that exchange. So if you wanted to exchange funny money for Fufukash, Stellar will find the best rate and exchange it. At the same time it will be looking to see if there are any instances where somebody wants to trade Fufukash for Stellalumens or another person wants to change funny money for Lumens. If it turns out that making those trades will result in a better rate for you it will make it and then send you the Fufukash. Even further, if previous two options do not work it will create a chain of conversions from funny money to Fufukash. For example, funny money to puppy bucks, puppy bucks to Bitcoin, Bitcoin, Stellalumens, Stellalumens to Fufukash and then you get your Fufukash. Yeah! Basically, Stellar is pretty determined to make sure that your money gets from one place to another in whatever currency you choose as quickly and efficiently as possible. There are many different applications for Stellar. Stellar aims to help people as well as retailers and startups. With a fee of 0.01 per 600,000 transactions, Stellar aims to solve issues regarding micro payments, remittances, and mobile money. So far, Stellar has achieved a lot. Recently, Stripe, an internet business provider, announced that they would be offering to support Stellar Coin. Stellar also announced that they are partnering with IBM and Deloitte to create a fast and efficient cross-border payment system. All these pieces of news has sent Stellar's price soaring up to the top 10 where it has stayed. Stellar has an open-source code which you can find on GitHub. It currently sits with a market cap of $8 billion and a price of around $0.40. And if you want to take part in Stellar's system, all you need to do is own 20 XLM to participate. There are some drawbacks to Stellar when thinking about it in terms of an investment. Stellar has a total supply of $103 billion and only a circulating supply of $18 billion. Also, companies are not required to use Lumens in order to utilize the technology that Stellar is offering. So while Stellar seems to offer a good amount of scalability because it has a solid technical basis, treating it as a when-moon-lambo-time speculative asset, as always, is not investment advice unadvisable to invests, but not to be taken as investment advice for investing in investments, but not advice. Never, no way, maybe bad idea, maybe not. Who knows? You have the facts, now you can decide whether to invest, not invest, maybe advise, not advise in Stellar Lumens. In Atlanta, you're the one rising before that lazy sun.