Let’s be honest, most of us are here to earn some (extra) money on crypto. One of the coins that has been doing well the past couple of years is XLM (called Stellar Lumens after the non-profit organization behind this coin).

To understand Stellar Lumens potential I have tried to take a dive into it and present my findings and conclusions to you:

History: - XLM is a coin created by Jeb McCaleb and Joyce Kim in 2014, after McCaleb founded Ripple but left in disagreement.

• It was launched by the non-profit Stellar Development Foundation - SDF (Stellar.org).

• one of SDF’s main goals is making money more fluid, markets more open, and people more empowered (source: stellar.org)

-by doing that they also want to provide financial services to the unbanked

Potential: - most of us don’t want to hear, but XLM is still kinda XRP’s little sister. But that’s ok, cause in the end they can co-exist as they have different purposes. If Ripple’s lawsuit gets finalized, XLM’s future is clear as well (at least in the USA). And that’s a good thing! - the potential of faster and cheaper money movement and providing financial services to billions of people that do not have access to financial services, is huge

Supply: - there are about 50 billion lumens, total, in existence (no more lumens will be created) - 50,001,806,811.60 to be accurate - circulating supply is 46% or roughly 23 billion coins - the other 53% are ‘owned’ by SDF. SDF will release the other 27 billion coins over the next years on the market

Conclusion: - besides earning some money, you invest in making this world a better and more fair place for people in developing countries. Isn’t that what it is all about😊 - potential risk on the XLM price is the huge amount of XLM still owned by its creators (SDF). The market has to absorb all these extra coins. This will impact the price (or at least the price growth). -don’t expect prices of tens of dollars in the near future. $10 XLM is a market cap of $230 billion(!) at current circulating supply. - to reach the unbanked takes time. Especially earning trust from them takes time as they have been robbed, manipulated and outcasted by the traditional financial system since ever

To sum up: just HODL people, the world isn’t changed in one day, it takes time! The potential is real, but it takes time and The rewards for enduring will be big.💪