The XLM price in reais with the time of the quote, a two-way converter, and a straight answer about using Stellar to send money home.
Stellar (XLM): R$ 0,959705, +1,41%.
Stellar was built in 2014 by Jed McCaleb, who had co-founded Ripple, and is run by a non-profit foundation rather than a company. It was designed for one job: moving money between currencies quickly and for almost nothing. A transaction costs a hundredth of a centavo and settles in about five seconds, and the ledger has an exchange built in, with path payments that route automatically through whatever chain of assets gets from one currency to another. What makes it work are the anchors: licensed institutions in each country holding the actual reais or dollars and issuing tokens against them. There is no mining and no staking, which is also why XLM pays no yield.
The supply story is unusual. In November 2019 the foundation destroyed more than half of everything that existed, burning 55 billion lumens and cutting the ceiling from 105 billion to 50 billion; it still holds a large share of the rest. Otherwise the chart runs on distribution deals rather than network traffic: Circle issues USDC natively here, MoneyGram built a service letting people turn digital dollars into cash over a counter, Franklin Templeton runs a tokenised money-market fund on it, Ukraine's central bank piloted a digital hryvnia. Smart contracts arrived only in 2024. The caveat: what travels over Stellar is mostly dollar tokens, and XLM's role is to pay a negligible fee and satisfy a small minimum balance.
Brazil receives billions of dollars a year in remittances, and a cheap corridor is a real problem worth solving, which is why people land here. The honest answer is that the route a Brazilian actually uses is a dollar stablecoin bought and sold at an exchange, or an app built on one of these rails; XLM is the track underneath, not the thing you carry. Buying the coin is a bet on adoption, a different decision from sending money cheaply. The value at the top is a CoinGecko reference averaged across exchanges, saved every half hour.
From CoinGecko, which averages the price across many exchanges, saved here by a job that runs every 30 minutes; the date and time of that quote are printed under the value. Press "Refresh rate" to fetch the current one. XLM trades every day, weekends included.
Because this is an average reference and an exchange is a shop, with its own buying and selling prices, a spread between them, a trading fee and usually a withdrawal fee. A couple of per cent away from the reference is ordinary.
In principle yes, and the network fee really is negligible. In practice the cost is at the ends: somebody converts the money into a token where it starts and back into reais where it lands, and those two conversions plus the rate applied are where the real charge lives. Most people send a dollar stablecoin rather than XLM, and compare the landed amount against a bank transfer or a remittance app first.
No. Stellar uses neither mining nor staking, so there is no protocol reward to collect. Anything advertising a return on lumens is lending them out or putting them in a pool — a credit decision with a counterparty, not a feature of the network.
They share an origin — one of Stellar's founders co-founded Ripple — and solve a similar problem at similar speed and cost. The difference is who runs them and for whom. Stellar is governed by a non-profit and aims at anchors, retail payments and local-currency tokens; Ripple is a company selling to banks. The two prices still tend to move together, mostly out of habit.
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