# Stellar Lumens (XLM) — machine-readable summary

> FORTUNA SIGNAL · FORA-01 evidence dossier · Researched 2026-09-15 · https://ron-delhaye-studios.github.io/fortuna-signal-live/tokens/xlm.html

## Definition
Stellar is an open-source payments network built for fast, ultra-cheap cross-currency and cross-border transfers, stewarded by the nonprofit Stellar Development Foundation.

## What the holder owns (FORA-01 Q1)
Native asset of the Stellar payments network — pays minimal fees and satisfies base reserves; holder owns the token itself. Evidence: the open protocol — the token is the chain’s native unit by consensus rules; there is no issuer to claim against.

## Verification verdict
Class NATIVE (Native) — FORA-01 scale: verification, not a quality ranking.
q1 VERIFIED · q2–q5 N/A (structural — bearer-native asset)

## Plain-language utility
Built for payments — cheap cross-border transfers on the Stellar network.

## Key risks & notes
The official PDF could not be opened directly during this pass; the summary is grounded in the official SCP paper's content as published and Stellar's official documentation. SDF wields significant influence over the network, and Stellar competes head-on with Ripple/XRP in the same payments niche.

## Primary source
- https://www.stellar.org/papers/stellar-consensus-protocol.pdf

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Machine summary generated at build time from the same fields as the human page. Free educational content — not investment advice.