Stellar is a blockchain network built to move money across borders in seconds, with low cost and strong reliability. Launched in 2014, the network focuses on payments, currency exchange, and real financial services that work at a global scale. The Stellar network runs as a decentralised system, where independent validators agree on transactions using the Stellar Consensus Protocol. This model relies on trusted organisations instead of heavy computing or locked tokens, which keeps the network fast and energy efficient.
The network’s native asset, Lumens (XLM), pays for transaction fees and also acts as a bridge between different currencies. When a payment moves between two currencies, the protocol converts the value into XLM and then into the target currency within seconds. In 2024, Stellar added full smart contract support through Soroban, a platform designed for secure and predictable financial applications. This article explains how to buy Stellar safely and clearly, step by step.
How To Buy Stellar In 4 Easy Steps?
Buying Stellar is super easy with a clear process. Just follow these steps to securely purchase and hold your tokens.
Step 1: Choose a Crypto Exchange Platform
The first step to buy Stellar is selecting a reliable crypto exchange. A good platform protects your funds, offers smooth trade execution, and supports multiple payment options. Before deciding, review security features, fee structures, supported currencies, and overall ease of use. Choosing an exchange that matches your preferred fiat currency or stablecoin ensures a simpler and faster buying experience.
Step 2: Register On Any Of The Platforms
After choosing the exchange, create an account by entering your email address, phone number, and personal details. To complete the setup, upload a valid government-issued ID such as a passport or driver’s licence for verification.
Most platforms complete this process within a few hours. Once verification is complete, your account becomes ready for funding and trading.
Step 3: Buy The Cryptocurrency Using Your Feasible Payment Method
With a verified account, you can now purchase tokens by depositing fiat or stablecoins. The available options include:
Using Fiat Currencies:
- US Dollars (USD): Coinbase, Bitstamp by Robinhood, Bitfinex, Kraken, OKX
- Euros (EUR): WhiteBIT, Binance, Coinbase, Bitvavo, Tothemoon
- Great Britain Pounds (GBP): Kraken, CoinJar
- Indian Rupees (INR): Bitbns, CoinDCX, Zebpay, Giottus
Using Stablecoins:
- Tether (USDT): Binance, OKX, Bybit, Bitget, Gate, BingX, BitMart
- USD Coin (USDC): Bybit, KuCoin, XT.COM, Phemex, Bitrue, Fastex
Most exchanges support bank transfers, debit or credit cards, and crypto transfers. Choose the option that best suits you, place your order, and add XLM to your portfolio.
Step 4: Store the Cryptocurrency in a Wallet
Once purchased, withdraw your tokens to a secure wallet for full control and security. Personal wallets reduce exchange-related risks and allow full ownership of your assets.
Some of the more reliable options for storage include Interstellar Wallet, Best Wallet, Lobster Wallet, Solar Wallet, Exodus Wallet, and Atomic Wallet.
Withdraw your tokens from the exchange into your wallet’s public address, confirm the transfer, and your holdings will be kept safe and remain accessible at all times.
Popular video guides on buying Stellar (XLM)
Where to buy Stellar (XLM)?
Bitget focuses on derivatives trading while also supporting spot markets. It offers copy-trading features that let users follow experienced traders in real time. The interface stays clean and easy to manage across desktop and mobile apps. Users can track prices, set alerts, and monitor positions without friction. Security measures include cold storage, login protection, and risk controls. With a mix of learning tools and advanced trading features, it serves both newcomers and users with trading experience.
Factsheet
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Operational Since: |
2018 |
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Deposit Methods: |
Credit/Debit Card, Bank Transfer, Cryptocurrencies |
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Deposit Fees: |
Crypto Deposit is Free, Fiat deposit varies with payment method |
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Cryptos Listed: |
800+ |
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Trading Fees: |
0.1% For both maker and taker |
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Fiat Currencies Supported: |
USD, EUR, GBP, TRY, BRL, and ZAR |
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Trustworthiness: |
Safe and Reliable |
Binance gives you access to a wide variety of cryptocurrencies—all in one place. Whether you're into spot trading, margin, or futures, it’s got you covered. The platform is built for speed, flexibility, and serious market depth, which means trades go through fast, with lots of pair options and strong liquidity. On the go? The mobile app has everything you need: live charts, price alerts, and tools to keep an eye on your portfolio throughout the day. When it comes to security, Binance doesn’t cut corners. Your assets are protected with cold storage, two-factor authentication, and extra steps for withdrawals.
Factsheet
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Operational Since: |
2012 |
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Deposit Methods: |
Credit/Debit Card, Bank Wire, Crypto, and Tether |
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Deposit Fees: |
0.1% (Min 60 Euro/USD) for wire transfer and 0% for cryptocurrency |
|
Cryptos Listed: |
170+ |
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Trading Fees: |
0.1% for the maker and 0.2% for the taker |
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Fiat Currencies Supported: |
USD, EUR, JPY, TRY, GBP |
|
Trustworthiness: |
Safe and Reliable |
Kraken has built a reputation around security, transparency, and reliability. It supports spot, margin, and futures trading with clear fee structures and stable performance. The mobile app provides market charts, price alerts, and account tracking for everyday trading. Strong safeguards include cold wallet storage, two-factor login, and constant account monitoring. Simple onboarding helps first-time users get started, while advanced order tools meet professional needs. Its focus on trust and usability makes it suitable for long-term and active traders alike.
Factsheet
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Operational Since: |
2011 |
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Deposit Methods: |
PayPal, Debit/Credit Cards, UPI, P2P, Cryptocurrencies |
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Deposit Fees: |
Kraken charges different fees for different types of deposits |
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Cryptos Listed: |
500+ |
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Trading Fees: |
0% to 0.40% of the total cost |
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Fiat Currencies Supported: |
USD, EUR, GBP, CAD, JPY, CHF, AUD, and AED. |
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Trustworthiness: |
Safe and Reliable |
Frequently Asked Questions
Where Can You Buy Stellar With A Credit Or Debit Card?
You may directly purchase Stellar using a credit or debit card on various fiat currency-supported centralized exchanges. If you plan to pay in US Dollars, you could use Coinbase, Bitstamp by Robinhood, Bitfinex, Kraken, or OKX. Meanwhile, WhiteBIT, Binance, Coinbase, and Bitvavo facilitate simple card purchases for Euro users.
You can buy Stellar with British Pounds on Kraken if you are in the United Kingdom, while Indian users can buy Stellar with INR on CoinDCX. These direct options make buying XLM quick and easy without extra conversion steps. Always choose trusted exchanges to keep your transactions safe and smooth.
What Will You Need To Buy Stellar?
Here’s everything you’ll need to own an XLM token:
- Crypto Exchange: To purchase Stellar (XLM) tokens, you need a trustworthy exchange platform. Popular options include Bitfinex, Coinbase, Binance, Kraken, CoinDCX, WhiteBIT, KuCoin, MEXC, Bitvavo, CoinJar, and OKX. These platforms help you trade and manage crypto easily with tools like live charts, trading bots, and analytics.
- Identification Documents: To access a crypto exchange, you need to create an account and complete a KYC (Know Your Customer) verification process. This process requires valid identification documents such as a passport, driver’s licence, or tax return. These documents confirm your identity and help exchanges keep accounts secure and compliant.
- Debit/Credit Card: A debit or credit card offers a simple way to fund your crypto account. Many leading exchanges support card payments for direct XLM purchases. Always review the exchange’s payment methods in advance to confirm card availability and avoid delays during your transaction process.
- Stablecoin/Altcoin: You can also buy Stellar using stablecoins like Tether (USDT) or USD Coin (USDC). These stablecoins help you manage price stability and make faster trades. Check that your chosen exchange supports USDT or USDC trading pairs before starting your purchase.
- Crypto Wallet: Once you’ve purchased your tokens, transfer them to a secure crypto wallet. Wallets like Interstellar Wallet, Best Wallet, Lobster Wallet, Solar Wallet, Exodus Wallet, and Atomic Wallet support XLM and offer strong security features. Always review wallet features and user feedback before choosing one.
Ensure that you have all the above things handy for a smooth purchasing experience.
What Is The Easiest Way To Buy Stellar?
Conveniently enough, you can buy Stellar using a credit or debit card or by bank transfer through some of the more reputable crypto exchanges that support fiat money. With a variety of options, you will be able to get Stellar using US Dollars on platforms such as Coinbase, Bitstamp by Robinhood, Bitfinex, Kraken, and OKX. You may deposit funds with cards, wire transfers, or internet banking and buy Stellar right away after verification.
If you are more comfortable with Euros, exchanges like WhiteBIT, Binance, Coinbase, Bitvavo, and Tothemoon offer seamless buying experiences. The websites mentioned above allow card payments, wire transfers, and online banking, making this process easy for Europeans. Kraken and CoinJar allow the purchase of Stellar using Great Britain Pounds if you are in the UK through cards, wire transfers, or online banking. These exchanges have relatively clear interfaces that will guide you through completing your purchase without confusion.
You can buy Stellar with the help of a bank transfer or UPI on such exchanges as Bitbns, Giottus, and Zebpay located in India. CoinDCX also supports INR deposits through cards, UPI, and internet banking. Always review the fees and limits of payment before buying. If your plans include long-term holding, Stellar transfer to a private wallet will give you better security and full control over your crypto.
What Are The Best Wallets To Store Your Stellar (XLM)?
For keeping your XLM holdings safe, choosing a wallet that combines security with smooth usability matters. Each option below offers different tools and protection features, helping you manage funds based on how you use the network.
- Interstellar Wallet: Interstellar Wallet focuses on simplicity while delivering strong security for everyday users. It allows quick access to balances, fast transfers, and seamless account management. The wallet integrates smoothly with the Stellar ecosystem, making payments and asset management straightforward. Its clean interface, low learning curve, and responsive performance suit users who value speed and clarity.
- Best Wallet: Best Wallet delivers a modern mobile experience with strong privacy controls and clear transaction tracking. It supports secure storage, easy transfers, and real-time balance updates. The app places user control first by keeping keys private and encrypted. With its intuitive layout and reliable performance, it fits users who want a smooth and dependable wallet experience.
- Lobster Wallet: Lobstr serves as a dedicated wallet built specifically for the Stellar network. It allows fast payments, asset swaps, and direct access to decentralised features. The wallet supports biometric security, in-app trading, and simple account setup. Its focus on network-native tools makes it a strong choice for users who interact frequently within the ecosystem.
- Solar Wallet: Solar Wallet offers a lightweight yet capable solution for managing funds with ease. It supports quick transfers, account monitoring, and secure key storage. The wallet runs smoothly across devices and keeps navigation simple. With a focus on speed and reliability, it works well for users who prefer a no-frills approach to asset management.
- Exodus Wallet: Exodus combines an elegant design with practical features for managing multiple digital assets. It includes built-in exchange services, portfolio tracking, and detailed insights. The wallet stores private keys locally and offers regular updates for improved performance. Its polished interface and broad asset support appeal to both beginners and experienced users.
- Atomic Wallet: Atomic Wallet provides an all-in-one platform with secure storage and built-in swapping features. It supports a wide range of assets and keeps private keys encrypted on your device. The wallet includes staking options, a clear dashboard, and consistent performance. Its broad functionality suits users who prefer managing everything from a single app.
Using these wallets helps protect your XLM while offering flexible tools that match different usage styles and security preferences.