XLM Lumens is the native currency of the Stellar network.
Stellar is often used as a bridge between different currency transactions that are unable to be processed due to them not having a market of their own for trades.
The Stellar website explains that it’s a platform that connects banks, payments systems, and people. It’s a decentralized protocol that enables you to send money to anyone in the world, cheaply, instantly and in any currency.
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More on Stellar Lumens
Interestingly, many cryptocurrency platforms aim to be a system for sending money cheaply between people, however – Stellar and their XLM Lumens have received significant investment from online payment providers such as Silicon Valley giant Stripe.
In addition to this $3 Million dollar investment, financial behemoths such as Barclays and Deloitte have begun to use Stellar to help reduce their own transaction fees.