Why accept Stellar (XLM)? How it compares to other payment coins

Stellar and its native coin XLM (lumens) were built for one thing above all: shuttling money quickly and cheaply between people, businesses, and currencies. That payments-first DNA is exactly what makes XLM a strong pick for invoicing.

What makes Stellar good for payments

• It's quick. Transactions settle in around 5 seconds, with final confirmation.
• It's almost free. The base network fee is a sliver of a cent, so even a small invoice is worth settling on-chain.
• It's built for moving value. Stellar has first-class support for issued assets, fiat anchors (on- and off-ramps), and "path payments" that convert between assets mid-transfer.
• It carries stablecoins. Stellar natively hosts USDC, so you can take a dollar-pegged asset on the same fast, cheap rails.
• It reconciles cleanly. A numeric memo lets one receiving address match each payment to the right invoice by itself.

Stellar vs XRP

These two are close cousins, both fast, both cheap, both payment-focused ledgers that reach agreement through consensus rather than energy-hungry mining. For you, the real difference is which network your customers already use. Clients on Stellar? XLM (and USDC on Stellar) is the smoother ride. Clients on the XRP Ledger? XRP (and RLUSD) is. And with Brionic you don't have to choose, run both.

Stellar vs Bitcoin and Ethereum

Bitcoin's ~10-minute blocks and Ethereum's swinging gas fees make both heavier than a routine invoice calls for. Stellar was engineered for cheap, high-volume payments, so a $20 invoice costs essentially nothing to settle and clears in seconds. That is hard to justify on a chain where the network fee alone can top the amount you're collecting.

The trade-off: volatility

XLM's price moves, so a non-stablecoin invoice can shift in dollar terms between sending and payment. Want the number to hold? Take USDC on Stellar instead: same speed, same tiny fees, pegged 1:1 to the dollar. USDC vs RLUSD can help you pick a stablecoin.

Get paid in XLM

Invoice in XLM (or USDC on Stellar), share a scan-to-pay link, and let payments reconcile themselves on-chain. Flat monthly pricing, and every payment is yours to keep. Create your account to start.