Stellar

Stellar is a public blockchain network designed to support regulated finance and global payments. In production since its 2014 mainnet launch, the network reports 99.998% lifetime uptime, settlement times of about five seconds, and average transaction costs below one-tenth of a cent. Its compliance-forward infrastructure helps institutions and developers issue assets, move money, and deploy capital.

Stellar supports the tokenization of real-world assets, including funds and treasuries, as well as stablecoin settlement. Its payment services include cross-border transfers, remittances, payroll and contractor disbursements, and exchange between currencies and digital assets. For capital deployment, the network offers smart-contract-enabled borrowing and lending, along with treasury management tools for putting idle capital into yield-bearing assets.

The ecosystem includes developer documentation, APIs, grants and funding, and resources for building applications, issuing tokens, and writing smart contracts. Financial institutions and service providers use Stellar for live offerings: examples highlighted include Franklin Templeton’s blockchain-recorded mutual fund, MoneyGram’s cash access services, and tokenized assets from WisdomTree and other issuers.