Stellar（XLM）：改變跨境支付的區塊鏈平台

Stellar（XLM）作為一個專注於改變跨境支付的區塊鏈平台，正在加密貨幣世界掀起波瀾。它旨在彌合傳統金融與去中心化數位世界之間的差距，為全球金融系統帶來負擔得起、快速且安全的支付解決方案。隨著日益普及，Stellar 將自己定位為重塑資金跨境流動方式的關鍵參與者。

Stellar (XLM) is making waves in the cryptocurrency world as a blockchain platform with a focus on transforming cross-border payments. It aims to bridge the gap between traditional finance and the decentralized digital world, bringing affordable, fast, and secure payment solutions to global financial systems. With its growing adoption, Stellar is positioning itself as a key player in reshaping the way money moves across borders.

Stellar（XLM）作為一個專注於改變跨境支付的區塊鏈平台，正在加密貨幣世界掀起波瀾。它旨在彌合傳統金融與去中心化數位世界之間的差距，為全球金融系統帶來負擔得起、快速且安全的支付解決方案。隨著日益普及，Stellar 將自己定位為重塑資金跨境流動方式的關鍵參與者。

In this article, we'll delve into the details of Stellar, exploring its definition, key features, and mode of operation. We'll also highlight some real-world use cases, the role of XLM in the Stellar ecosystem, and the challenges and opportunities that lie ahead for Stellar.

在這篇文章中，我們將深入研究 Stellar 的細節，探索它的定義、關鍵特性和操作模式。我們還將重點介紹一些現實世界的用例、XLM 在 Stellar 生態系統中的作用，以及 Stellar 面臨的挑戰和機會。

What Is Stellar (XLM)?

什麼是恆星幣（XLM）？

Stellar is both a cryptocurrency and a decentralized blockchain network designed to facilitate low-cost, fast, and secure cross-border transactions. At its core, Stellar aims to improve the efficiency of global payments, making it easy to send money from one country to another without high fees or long processing times. Its native cryptocurrency, XLM, powers the network, providing essential functions like paying transaction fees and ensuring the system’s security.

Stellar既是一種加密貨幣，也是一種去中心化的區塊鏈網絡，旨在促進低成本、快速和安全的跨境交易。 Stellar 的核心目標是提高全球支付的效率，讓資金從一個國家輕鬆匯至另一個國家，無需支付高額費用或處理時間較長。其原生加密貨幣 XLM 為網路提供動力，提供支付交易費用和確保系統安全等基本功能。

Key Features That Set Stellar Apart

使 Stellar 脫穎而出的關鍵特性

Stellar boasts several unique features that set it apart from other cryptocurrencies and blockchain projects. These include:

Stellar 擁有多項獨特功能，使其有別於其他加密貨幣和區塊鏈項目。這些包括：

- Cross-Border Transactions: Stellar is specifically designed to optimize cross-border payments, enabling users to send money between different countries quickly and at a minimal cost.

- 跨境交易：Stellar專為優化跨境支付而設計，使用戶能夠以最低的成本在不同國家之間快速匯款。

- Fast Transaction Speeds: The Stellar network is highly efficient, processing transactions in a matter of seconds, making it ideal for urgent payments or quick exchanges.

- 交易速度快：Stellar網路效率很高，只需幾秒鐘即可處理交易，非常適合緊急付款或快速兌換。

- Low Transaction Fees: Stellar transactions incur very low fees, typically fractions of a cent, ensuring that users can send small amounts of money without paying hefty charges.

- 低交易費用：恆星交易產生的費用非常低，通常是一美分的幾分之一，確保用戶可以發送少量資金而無需支付高額費用。

- Multi-Currency Support: The Stellar network supports a wide range of currencies, both fiat and crypto. This allows users to easily convert and trade between different assets.

- 多重貨幣支援：Stellar 網路支援多種貨幣，包括法定貨幣和加密貨幣。這使得用戶可以輕鬆地在不同資產之間進行轉換和交易。

- Decentralized Exchange: Stellar operates a decentralized exchange called StellarX, which enables users to trade various cryptocurrencies directly on the Stellar network.

- 去中心化交易所：Stellar經營名為StellarX的去中心化交易所，用戶可以直接在Stellar網路上交易各種加密貨幣。

- Smart Contracts: Stellar recently introduced limited smart contract functionality, allowing developers to create basic programs that can interact with XLM balances or perform simple actions on the network.

- 智慧合約：Stellar 最近推出了有限的智慧合約功能，讓開發人員可以建立可以與 XLM 餘額互動或在網路上執行簡單操作的基本程式。

How Does Stellar Work?

恆星如何運作？

Stellar uses a unique consensus mechanism called the Stellar Consensus Protocol (SCP). This federated Byzantine agreement system ensures fast and secure transactions without the need for energy-intensive mining. SCP allows validators to agree on transaction history, enabling the network to process payments quickly and with minimal computational resources.

Stellar使用一種獨特的共識機制，稱為Stellar共識協議（SCP）。這種聯合拜占庭協議系統可確保快速、安全的交易，而無需進行能源密集挖礦。 SCP 允許驗證者就交易歷史達成一致，使網路能夠以最少的運算資源快速處理付款。

In contrast to proof-of-work or proof-of-stake protocols, which require miners to solve complex puzzles or hold large amounts of cryptocurrency, Stellar's SCP relies on a group of trusted validators, known as quorum slices, to reach a consensus on the validity of transactions and the state of the ledger.

與需要礦工解決複雜難題或持有大量加密貨幣的工作量證明或權益證明協議不同，Stellar 的 SCP 依賴一組受信任的驗證者（稱為仲裁切片）來達成共識。帳的狀態。

Real-World Use Cases for Stellar

Stellar 的真實用例

Stellar's technology and focus on cross-border payments have attracted interest from various organizations, leading to several real-world use cases.

Stellar 的技術和對跨境支付的關注吸引了各個組織的興趣，從而產生了多個實際用例。

One notable example is MoneyGram's partnership with Stellar. This collaboration aims to leverage Stellar's network for cross-border stablecoin settlements, enabling faster and more efficient transactions between MoneyGram's vast agent network and Stellar-connected exchanges.

一個值得注意的例子是 MoneyGram 與 Stellar 的合作。此次合作旨在利用 Stellar 網路進行跨國穩定幣結算，從而在 MoneyGram 龐大的代理商網路與 Stellar 連接的交易所之間實現更快、更有效率的交易。

Another use case involves the Stellar Development Foundation's partnership with Thunes. Together, they are working to enhance cross-border payments to emerging markets by integrating Stellar's technology into Thunes' global payout network. This collaboration aims to provide faster, more transparent, and cost-effective payment solutions.

另一個用例涉及恆星發展基金會與 Thunes 的合作夥伴關係。他們共同致力於將 Stellar 的技術整合到 Thunes 的全球支付網路中，以加強對新興市場的跨境支付。此次合作旨在提供更快、更透明且更具成本效益的支付解決方案。

The Role of XLM in the Stellar Ecosystem

XLM在恆星生態系中的作用

XLM, Stellar's native cryptocurrency, plays a crucial role in the ecosystem. It is used for paying transaction fees, ensuring network security, and acting as a bridge asset for converting one currency to another. XLM also provides liquidity to the Stellar network, allowing users to exchange various assets with ease.

XLM是Stellar的原生加密貨幣，在生態系統中扮演著至關重要的角色。它用於支付交易費用，確保網路安全，並充當將一種貨幣轉換為另一種貨幣的橋樑資產。 XLM也為Stellar網路提供流動性，讓使用者輕鬆交換各種資產。

To elaborate on these functions:

詳細說明這些功能：

- Transaction Fees: Every transaction on the Stellar network incurs a small fee, typically paid in XLM. These fees help maintain the network and discourage spam transactions.

- 交易費用：Stellar 網路上的每筆交易都會產生少量費用，通常以 XLM 支付。這些費用有助於維護網路並阻止垃圾郵件交易。

- Network Security: XLM holders can participate in the network's consensus mechanism by "nominating" validators. Validators with the highest nominations have a greater chance of being selected to participate in consensus rounds, ensuring the integrity and security of the network.

- 網路安全：XLM持有者可以透過「提名」驗證人來參與網路的共識機制。獲得最高提名的驗證者有更大的機會被選中參與共識輪次，從而確保網路的完整性和安全性。

- Bridge Asset: XLM serves as a bridge asset for converting between different currencies on the Stellar network. For instance, if a user wants to exchange USD for EUR, they can use XLM as an intermediary, converting USD to XLM and then XLM to EUR.

- 橋樑資產：XLM作為Stellar網路上不同貨幣之間轉換的橋樑資產。例如，如果用戶想要將美元兌換成歐元，他們可以使用 XLM 作為中介，將美元兌換成 XLM，然後將 XLM 兌換成歐元。

- Liquidity Provision: Stellar's decentralized exchange, StellarX, facilitates direct cryptocurrency trades. XLM contributes to the liquidity of these markets, enabling users to quickly exchange cryptocurrencies without having to go through external exchanges.

- 流動性供應：Stellar 的去中心化交易所 StellarX 促進了直接的加密貨幣交易。 XLM 有助於這些市場的流動性，使用戶能夠快速交換加密貨幣，而無需透過外部交易所。

Stellar's Partnerships and Growing Adoption

Stellar 的合作夥伴關係和不斷增長的採用率

Stellar's focus on cross-border payments and its technological capabilities have attracted attention from major institutions, leading to several

Stellar對跨境支付的關注及其技術能力引起了各大機構的關注，引發了許多機構的關注。