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.
One business account
Hold XLM in the company's name
Your Stellar position sits in an account titled to your legal entity, with statements and settlement to match — bought at desk-quoted prices, custodied where your policy says, and convertible to dollars the day you decide.
- Entity-titled accounts, approved same day for most businesses
- Free non-custodial wallet — the company holds its own keys
- Business Mastercard® debit cards for spending balances
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.