{"id":16401,"date":"2026-11-09T11:49:53","date_gmt":"2026-11-09T10:49:53","guid":{"rendered":"https:\/\/www.blog.bim.finance\/?p=16401"},"modified":"2026-11-09T11:57:04","modified_gmt":"2026-11-09T10:57:04","slug":"all-you-need-to-know-on-stellar-blockchain","status":"publish","type":"post","link":"https:\/\/www.blog.bim.finance\/fr\/all-you-need-to-know-on-stellar-blockchain\/","title":{"rendered":"All you need to know on Stellar blockchain"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"16401\" class=\"elementor elementor-16401\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-91e1e20 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"91e1e20\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e03d969\" data-id=\"e03d969\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9c434cb elementor-widget elementor-widget-text-editor\" data-id=\"9c434cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>History<\/h3>\n<p>Launched in 2014 by Jed McCaleb and Joyce Kim, <b>Stellar is a fully independent and autonomous Layer 1 blockchain<\/b>. Since its inception under the stewardship of the Stellar Development Foundation (SDF), the network has undergone several major turning points, famously abandoning its initial Ripple-derived codebase in 2015 to adopt its proprietary consensus mechanism. Over the past decade, Stellar has maintained a remarkable record of reliability and network continuity, attracting traditional financial heavyweights such as Franklin Templeton to issue its tokenized money market fund (BENJI).<b> Its institutional recognition is further solidified by high-profile partnerships, notably with MoneyGram to facilitate cash-to-stablecoin on-and-off-ramps across thousands of retail locations worldwide.<\/b><\/p>\n<p>The network\u2019s single most significant technical leap was the rollout of Soroban\u2014a Rust- and WebAssembly-based smart contract platform deployed via Protocol 20. This integration permanently transformed a network once confined to basic asset transfers into a fully expressive, programmable environment. While its Total Value Locked (TVL) still trails behind giants like Ethereum or Solana, <b>Stellar has established itself as a sturdy pillar for Real-World Assets (RWAs) and decentralized finance<\/b>, supporting native protocols like Blend for permissionless lending and Phoenix for automated trading.<\/p>\n<h3>Functioning<\/h3>\n<p>Unlike systems built as Layer 2 scaling solutions on Ethereum, Stellar operates its own distributed ledger powered by the <b>Stellar Consensus Protocol (SCP)<\/b>, an engine based on Federated Byzantine Agreement. Historically engineered for near-instant cross-border remittances and fiat currency tokenization, its core advantages include transactions settling in 3 to 5 seconds alongside negligible fees that routinely cost a fraction of a cent.<\/p>\n<p>The base layer also natively embeds both a decentralized central limit order book (<b>SDEX<\/b>) and automated market maker (AMM) liquidity pools. Conversely, its consensus model relies on designated validator clusters known as <em>quorum slices<\/em>, which introduces a degree of centralization that critics perceive as higher than Bitcoin or Ethereum. Furthermore, its public reach has historically focused heavily on enterprise infrastructure rather than viral retail speculation.<\/p>\n<p>To navigate these native financial primitives, users frequently employ applications like <b>Scopuly<\/b>, which doubles as a non-custodial wallet and a full SDEX trading terminal. Contrary to common misconception, Scopuly is neither unique nor without competition on Stellar. Its most widely used peer for everyday mobile payments is <b>Lobstr<\/b>, renowned for its streamlined onboarding and asset management. For web3 interactions and decentralized applications built on Soroban, Freighter serves as the standard browser extension, fulfilling a role akin to MetaMask. Users can also turn to multi-platform alternatives like xBull or open-source solutions like Hana. Advanced traders and developers often rely on browser-based signing tools like Albedo or interfaces such as StellarX to manage assets without exposing private keys.<\/p>\n<h3>Recent Developments<\/h3>\n<p>Over the past six months, the network has concentrated heavily on optimizing Soroban, improving ledger state scalability, and further compressing smart contract execution overhead. <b>Protocol updates have refined state archival mechanisms to prevent unsustainable chain bloat while maintaining developer ergonomics<\/b>. Simultaneously, the SDF has accelerated cross-border settlement corridors across Latin America and Sub-Saharan Africa.<\/p>\n<p>Stellar\u2019s composability has expanded through new cross-chain bridges and integrations with premier decentralized oracle networks. Trading activity across Stellar\u2019s decentralized markets typically <b>generates aggregate volumes ranging between $20 million and $60 million daily<\/b>. This volume is overwhelmingly dominated by Stellar\u2019s native token, Lumens (XLM), and Circle\u2019s natively issued USD Coin (USDC). European-pegged stablecoins like EURC and native liquidity governance tokens such as AQUA follow closely behind.<\/p>\n<p>The ten most actively traded assets consistently include wrapped vehicles like UltraStellar\u2019s yield-bearing yBTC and yETH, alongside yield-bearing yXLM and tokenized shares of Franklin Templeton\u2019s BENJI fund. Finally, regional fiat-backed tokens and utility assets like Stronghold (SHX) and Ternio (TERN) round out the ledger\u2019s top volume positions.<\/p>\n<p><b>In sum, Stellar remains a resilient Layer 1 that has successfully expanded its reach from cross-border remittances into programmable institutional finance.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Discover the history of Stellar blockchain and the role importance of this Layer 1 into Defi, RWA and institutions.<\/p>","protected":false},"author":21,"featured_media":16403,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[153],"tags":[],"class_list":["post-16401","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>All you need to know on Stellar blockchain - BIM Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, 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