引入恆星流明（XLM）：全球貨幣轉移的未來

國際貨幣轉移仍然覺得自己屬於另一個時代 - 延遲，不便，而且通常昂貴。

International money transfers still feel like they belong to another era – delayed, inconvenient, and often surprisingly expensive. Stellar (XLM) doesn’t promise to change the world overnight, but it does something more useful: it cuts through the mess and shows how global transactions can be fast, cheap, and smooth without layers of bureaucracy.

國際貨幣轉移仍然覺得自己屬於另一個時代 - 延遲，不便，而且通常昂貴。 Stellar（XLM）並不保證會在一夜之間改變世界，但是它可以做一些更有用的事情：它削減了混亂，並顯示瞭如果沒有官僚主義的層次，全球交易如何快速，便宜和平穩。

This isn’t just a coin on a chart or a name in a whitepaper. Stellar is a working system, built with one goal – to make cross-border financial operations as frictionless as sending a message in a chat app. One second – and your transaction is confirmed. Fees? Less than the price of a chewing gum. No one stands between you and the recipient – no banks, no clearing houses, no middle steps.

這不僅僅是圖表上的硬幣或白皮書中的名字。 Stellar是一個具有一個目標的工作系統 - 使跨境財務操作與在聊天應用程序中發送消息一樣無摩擦。一秒鐘 - 您的交易已被確認。費用？小於咀嚼口香糖的價格。沒有人站在您和接收者之間 - 沒有銀行，沒有清理房屋，沒有中間步驟。

Behind Stellar is a team that’s already working with banks, supporting nonprofits, and building real infrastructure for a financial future that actually works for everyone – not just institutions. In this guide, you’ll get a clear understanding of what Stellar is, what XLM is for, and how to get started – even if you’re new to crypto and not sure where to begin.

Stellar的背後是一支已經與銀行合作，支持非營利組織的團隊，並為實際上對每個人都有效的財務未來建立真正的基礎設施，而不僅僅是機構。在本指南中，您將清楚地了解什麼是恆星，XLM的目的以及如何開始 - 即使您是新手加密貨幣，並且不確定從哪裡開始。

Key Facts About Stellar:

關於恆星的關鍵事實：

What Is Stellar (XLM)?

什麼是恆星（XLM）？

Stellar is a decentralized financial system designed to make exchanging money across borders both accessible and efficient. It wasn’t built for future speculation – it was built to work now, offering people a reliable way to transfer value without relying on outdated infrastructure or legacy banks.

Stellar是一種分散的金融系統，旨在使跨境交換既可以訪問又有效。它不是為將來的猜測而建造的 - 它是為了現在的工作而建造的，為人們提供了一種可靠的轉移價值的方式，而無需依靠過時的基礎設施或傳統銀行。

The backbone of Stellar is a custom consensus model that doesn’t depend on resource-heavy mining or proof-of-work schemes. Instead, the network validates transactions through a lightweight agreement process that allows operations to be confirmed in just seconds – even when the system is under high demand. This lets Stellar avoid the lags and fees still common in both traditional finance and earlier blockchain networks.

Stellar的骨幹是一種自定義共識模型，不依賴資源豐富的採礦或工作證明方案。取而代之的是，網絡通過輕巧的協議流程來驗證交易，該過程允許在僅幾秒鐘內確認操作 - 即使系統的需求量很高。這使恆星可以避免在傳統金融和更早的區塊鍊網絡中仍然常見的滯後和費用。

At the center of this network is the digital asset XLM, also known as Stellar Lumens. It plays two essential roles: first, it covers tiny transaction costs across the network, and second, it acts as a middle-layer currency that enables smooth conversions between different forms of value – whether you’re exchanging dollars for euros, tokens, or something else entirely.

該網絡的中心是數字資產XLM，也稱為恆星流明。它扮演兩個基本角色：首先，它涵蓋了整個網絡的微小交易成本，其次，它是一種中層貨幣，可以在不同形式的價值之間平穩轉換 - 無論您是將美元換成歐元，代幣還是其他東西。

What Makes Stellar Lumens Different

是什麼使恆星流明與眾不同

XLM isn’t designed to sit idly in a wallet hoping for a price spike. It was made to be used – and it shows. Here’s what makes Stellar’s native coin stand out from the rest:

XLM並非旨在在錢包裡閒著閒逛，希望價格飆升。它被用來使用 - 它顯示了。這就是使Stellar的本地硬幣脫穎而出的原因：

The idea behind Stellar is refreshingly practical: to help money flow faster, more affordably, and with fewer complications – regardless of what form that money takes.

恆星背後的想法是令人耳目一新的實用性：幫助貨幣更快，更負擔得起，並減少並發症 - 無論錢採取什麼形式。

What Are Bridge Assets in the Stellar Network?

恆星網絡中的橋樑資產是什麼？

Bridge assets are special-purpose tokens inside the Stellar system. Each one is tied to the value of a real-world asset – whether that’s fiat currency like the US dollar or another crypto. Their role? To help different currencies connect without friction.

橋樑資產是恆星系統內部的專用令牌。每個人都與現實世界中的價值相關聯 - 無論是菲亞特貨幣，例如美元還是其他加密貨幣。他們的角色？幫助不同的貨幣連接而無需摩擦。

Instead of using a traditional currency exchange, Stellar allows users to send one type of asset and have the recipient get another – all in a single, fluid transaction. The bridge asset does the behind-the-cells work of translating one value into another, which makes transfers across currencies much faster and less expensive.

Stellar不用使用傳統的貨幣兌換，而是允許用戶發送一種類型的資產，並讓收件人獲得另一種資產 - 全部通過單個流體交易。橋樑資產進行了將一個值轉換為另一個值的幕後工作，這使得跨貨幣的轉移速度更快，更便宜。

This is one of the things that sets Stellar apart: it makes dealing with multiple currencies feel as easy as sending just one – no waiting, no unnecessary conversions, or third-party platforms.

這是使出色脫穎而出的一件事：它使得處理多種貨幣就像僅發送一份一樣容易 - 不等待，沒有不必要的轉換或第三方平台。

How to Store XLM

如何存儲XLM

There are several ways to store your XLM, depending on how often you need access and how much security you want.

有幾種存儲XLM的方法，具體取決於您需要訪問的頻率以及想要多少安全性。

If you’re looking for something simple and easy to manage from your phone or browser, software wallets like StellarTerm or StellarWallet are convenient options. They give you full access to your coins while keeping things user-friendly.

如果您正在尋找可以從手機或瀏覽器中易於管理的東西，那麼恆星或出色的軟件錢包就是方便的選擇。它們使您可以完全訪問您的硬幣，同時使事情保持用戶友好。

But if long-term safety is your goal – for example, if you’re holding a significant amount or don’t plan to use it daily – a hardware wallet like Ledger or Trezor is the better pick. These devices store your keys offline, protecting them from hacks or malware.

但是，如果您的目標是您的目標 - 例如，如果您持有大量數量或不打算每天使用它 - 諸如Ledger或Trezor之類的硬件錢包是更好的選擇。這些設備離線存儲您的鑰匙，保護它們免受黑客攻擊或惡意軟件的影響。

Whatever option you go with, the main point is this: XLM is your digital asset, and protecting it is up to you.

無論您採用什麼選擇，要點是：XLM是您的數字資產，保護它取決於您。

Where to Buy Stellar Lumens (XLM)

在哪裡購買恆星流明（XLM）

There are three common ways to get your hands on XLM: through exchanges, peer-to-peer (P2P) platforms, or online currency exchangers. Each one works – it just depends on what fits you best.

有三種通用方法可以通過XLM進行操作：通過交流，點對點（P2P）平台或在線貨幣交易所。每個人都可以使用 - 這僅取決於最適合您的東西。

Exchanges

交流

Exchanges are the most straightforward and widely used way to buy XLM. You register an account, fund it with fiat money or another cryptocurrency, and make the trade. Some well-known exchanges that support XLM include Binance, Huobi, and Gate.io.

交流是購買XLM的最直接和廣泛使用的方式。您可以註冊一個帳戶，以法定貨幣或其他加密貨幣為其提供資金，然後進行交易。支持XLM的一些知名交流包括Binance，Huobi和Gate.io。

If you want a stable, trusted option – and don's mind verifying your identity – exchanges are your go-to.

如果您想要一個穩定，值得信賴的選擇 - 並且不想驗證自己的身份 - 交流就是您的首選。

If you want to buy Stellar Lumens using your debit or credit card,

如果您想使用借記卡或信用卡購買恆星流明，