<s>
Stellar	B-Protocol
,	O
or	O
Stellar	B-Protocol
Lumens	I-Protocol
,	O
is	O
an	O
open	B-License
source	I-License
,	O
decentralized	O
protocol	O
for	O
digital	O
currency	O
to	O
fiat	O
money	O
low-cost	O
transfers	O
which	O
allows	O
cross-border	O
transactions	O
between	O
any	O
pair	O
of	O
currencies	O
.	O
</s>
<s>
The	O
Stellar	B-Protocol
protocol	O
is	O
supported	O
by	O
a	O
Delaware	O
nonprofit	O
corporation	O
,	O
the	O
Stellar	B-Protocol
Development	O
Foundation	O
,	O
though	O
this	O
organization	O
does	O
not	O
enjoy	O
501(c )	O
(	O
3	O
)	O
tax-exempt	O
status	O
with	O
the	O
IRS	O
.	O
</s>
<s>
Gox	O
and	O
co-founder	O
of	O
Ripple	O
,	O
launched	O
the	O
network	O
system	O
Stellar	B-Protocol
with	O
former	O
lawyer	O
Joyce	O
Kim	O
.	O
</s>
<s>
The	O
nonprofit	O
Stellar	B-Protocol
Development	O
Foundation	O
was	O
created	O
in	O
collaboration	O
with	O
Stripe	B-Application
CEO	O
Patrick	O
Collison	O
and	O
the	O
project	O
officially	O
launched	O
that	O
July	O
.	O
</s>
<s>
Stellar	B-Protocol
received	O
$3	O
million	O
in	O
seed	O
funding	O
from	O
Stripe	B-Application
.	O
</s>
<s>
Stellar	B-Protocol
was	O
released	O
as	O
a	O
decentralized	O
payment	O
network	O
and	O
protocol	O
with	O
a	O
native	O
currency	O
,	O
stellar	B-Protocol
.	O
</s>
<s>
At	O
its	O
launch	O
,	O
the	O
network	O
had	O
100	O
billion	O
stellars	B-Protocol
.	O
</s>
<s>
Stripe	B-Application
received	O
2	O
percent	O
or	O
2	O
billion	O
of	O
the	O
initial	O
stellar	B-Protocol
in	O
return	O
for	O
its	O
seed	O
investment	O
.	O
</s>
<s>
The	O
cryptocurrency	O
,	O
originally	O
known	O
as	O
stellar	B-Protocol
,	O
was	O
later	O
called	O
Lumens	O
or	O
XLM	B-Protocol
.	O
</s>
<s>
In	O
August	O
2014	O
,	O
Mercado	O
Bitcoin	O
,	O
the	O
first	O
Brazilian	O
bitcoin	O
exchange	O
,	O
announced	O
it	O
would	O
be	O
using	O
the	O
Stellar	B-Protocol
network	O
.	O
</s>
<s>
By	O
January	O
2015	O
,	O
Stellar	B-Protocol
had	O
approximately	O
3	O
million	O
registered	O
user	O
accounts	O
on	O
its	O
platform	O
and	O
its	O
market	O
cap	O
was	O
almost	O
$15	O
million	O
.	O
</s>
<s>
The	O
Stellar	B-Protocol
Development	O
Foundation	O
released	O
an	O
upgraded	O
protocol	O
with	O
a	O
new	O
consensus	O
algorithm	O
in	O
April	O
2015	O
which	O
went	O
live	O
in	O
November	O
2015	O
.	O
</s>
<s>
Lightyear.io,	O
a	O
for-profit	O
entity	O
of	O
Stellar	B-Protocol
,	O
launched	O
in	O
May	O
2017	O
as	O
the	O
commercial	O
arm	O
of	O
the	O
company	O
.	O
</s>
<s>
In	O
September	O
2017	O
,	O
Stellar	B-Protocol
announced	O
a	O
benefits	O
program	O
,	O
part	O
of	O
its	O
Stellar	B-Protocol
Partnership	O
Grant	O
Program	O
,	O
which	O
would	O
award	O
partners	O
up	O
to	O
$2	O
million	O
worth	O
of	O
Lumens	O
for	O
project	O
development	O
.	O
</s>
<s>
In	O
2021	O
,	O
Franklin	O
Templeton	O
launched	O
the	O
first	O
“	O
tokenised	O
”	O
US	O
mutual	O
fund	O
using	O
Stellar	B-Protocol
.	O
</s>
<s>
In	O
2015	O
,	O
it	O
was	O
announced	O
that	O
Stellar	B-Protocol
was	O
releasing	O
an	O
integration	O
into	O
Vumi	O
,	O
the	O
open-sourced	O
messaging	O
platform	O
of	O
the	O
Praekelt	O
Foundation	O
in	O
South	O
Africa	O
.	O
</s>
<s>
Vumi	O
uses	O
cellphone	O
talk	O
time	O
as	O
currency	O
using	O
the	O
Stellar	B-Protocol
protocol	O
.	O
</s>
<s>
Stellar	B-Protocol
partnered	O
with	O
cloud-based	O
banking	O
software	O
company	O
Oradian	O
in	O
April	O
2015	O
to	O
integrate	O
Stellar	B-Protocol
into	O
Oradian	O
's	O
banking	O
platform	O
to	O
add	O
microfinance	O
institutions	O
(	O
MFIs	O
)	O
in	O
Nigeria	O
.	O
</s>
<s>
Deloitte	O
announced	O
its	O
integration	O
with	O
Stellar	B-Protocol
in	O
2016	O
to	O
build	O
a	O
cross-border	O
payments	O
application	O
,	O
Deloitte	O
Digital	O
Bank	O
.	O
</s>
<s>
In	O
December	O
2016	O
,	O
it	O
was	O
announced	O
that	O
Stellar	B-Protocol
's	O
payment	O
network	O
had	O
expanded	O
to	O
include	O
Coins.ph,	O
a	O
mobile	O
payments	O
startup	O
in	O
the	O
Philippines	O
,	O
ICICI	O
Bank	O
in	O
India	O
,	O
African	O
mobile	O
payments	O
firm	O
Flutterwave	O
,	O
and	O
French	O
remittances	O
company	O
Tempo	O
Money	O
Transfer	O
.	O
</s>
<s>
In	O
October	O
2017	O
,	O
Stellar	B-Protocol
partnered	O
with	O
IBM	O
and	O
KlickEx	O
to	O
facilitate	O
cross-border	O
transactions	O
in	O
the	O
South	O
Pacific	O
region	O
.	O
</s>
<s>
In	O
December	O
2017	O
,	O
TechCrunch	O
announced	O
Stellar	B-Protocol
's	O
partnership	O
with	O
SureRemit	O
,	O
a	O
Nigerian-based	O
non-cash	O
remittances	O
platform	O
.	O
</s>
<s>
On	O
January	O
6	O
,	O
2021	O
,	O
the	O
Ministry	O
of	O
Digital	O
Transformation	O
of	O
Ukraine	O
announced	O
cooperation	O
and	O
partnership	O
with	O
Stellar	B-Protocol
in	O
development	O
of	O
Ukraine	O
digital	O
infrastructure	O
,	O
after	O
which	O
Stellar	B-Protocol
value	O
increased	O
by	O
40%	O
.	O
</s>
<s>
Stellar	B-Protocol
has	O
an	O
active	O
community	O
ecosystem	O
and	O
supports	O
projects	O
that	O
utilize	O
the	O
Stellar	B-Protocol
Network	O
with	O
the	O
Stellar	B-Protocol
Community	O
Fund	O
.	O
</s>
<s>
Stellar	B-Protocol
is	O
an	O
open-source	B-License
protocol	O
for	O
exchanging	O
money	O
or	O
tokens	O
using	O
the	O
Stellar	B-Protocol
Consensus	O
Protocol	O
.	O
</s>
<s>
The	O
platform	O
's	O
source	O
code	O
is	O
hosted	O
on	O
GitHub	B-Application
.	O
</s>
<s>
Servers	O
run	O
a	O
software	O
implementation	O
of	O
the	O
protocol	O
,	O
and	O
use	O
the	O
Internet	O
to	O
connect	O
to	O
and	O
communicate	O
with	O
other	O
Stellar	B-Protocol
servers	O
.	O
</s>
<s>
3	O
nodes	O
are	O
operated	O
by	O
the	O
Stellar	B-Protocol
Development	O
Foundation	O
,	O
in	O
conjunction	O
with	O
21	O
other	O
organizations	O
,	O
providing	O
for	O
a	O
total	O
of	O
66	O
validator	O
nodes	O
.	O
</s>
<s>
The	O
current	O
network	O
fee	O
is	O
100	O
stroops	O
,	O
equivalent	O
to	O
0.00001	O
XLM	B-Protocol
.	O
</s>
