引入恒星流明（XLM）：全球货币转移的未来

国际货币转移仍然觉得自己属于另一个时代 - 延迟，不便，而且通常昂贵。

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.

国际货币转移仍然觉得自己属于另一个时代 - 延迟，不便，而且通常昂贵。 Stellar（XLM）并不保证会在一夜之间改变世界，但是它可以做一些更有用的事情：它削减了混乱，并显示了如果没有官僚主义的层次，全球交易如何快速，便宜和平稳。

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.

这不仅仅是图表上的硬币或白皮书中的名字。 Stellar是一个具有一个目标的工作系统 - 使跨境财务操作与在聊天应用程序中发送消息一样无摩擦。一秒钟 - 您的交易已被确认。费用？小于咀嚼口香糖的价格。没有人站在您和接收者之间 - 没有银行，没有清理房屋，没有中间步骤。

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的背后是一支已经与银行合作，支持非营利组织的团队，并为实际上对每个人都有效的财务未来建立真正的基础设施，而不仅仅是机构。在本指南中，您将清楚地了解什么是恒星，XLM的目的以及如何开始 - 即使您是新手加密货币，并且不确定从哪里开始。

Key Facts About Stellar:

关于恒星的关键事实：

What Is Stellar (XLM)?

什么是恒星（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for future speculation – it was built to work now, offering people a reliable way to transfer value without relying on outdated infrastructure or legacy banks.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是一种分散的金融系统，旨在使跨境交换既可以访问又有效。它不是为将来的猜测而建造的 - 它是为了现在的工作而建造的，为人们提供了一种可靠的转移价值的方式，而无需依靠过时的基础设施或传统银行。

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的骨干是一种自定义共识模型，不依赖资源丰富的采矿或工作证明方案。取而代之的是，网络通过轻巧的协议流程来验证交易，该过程允许在仅几秒钟内确认操作 - 即使系统的需求量很高。这使恒星可以避免在传统金融和更早的区块链网络中仍然常见的滞后和费用。

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.

该网络的中心是数字资产XLM，也称为恒星流明。它扮演两个基本角色：首先，它涵盖了整个网络的微小交易成本，其次，它是一种中层货币，可以在不同形式的价值之间平稳转换 - 无论您是将美元换成欧元，代币还是其他东西。

What Makes Stellar Lumens Different

是什么使恒星流明与众不同

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并非旨在在钱包里闲着闲逛，希望价格飙升。它被用来使用 - 它显示了。这就是使Stellar的本地硬币脱颖而出的原因：

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.

恒星背后的想法是令人耳目一新的实用性：帮助货币更快，更负担得起，并减少并发症 - 无论钱采取什么形式。

What Are Bridge Assets in the Stellar Network?

恒星网络中的桥梁资产是什么？

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.

桥梁资产是恒星系统内部的专用令牌。每个人都与现实世界中的价值相关联 - 无论是菲亚特货币，例如美元还是其他加密货币。他们的角色？帮助不同的货币连接而无需摩擦。

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不用使用传统的货币兑换，而是允许用户发送一种类型的资产，并让收件人获得另一种资产 - 全部通过单个流体交易。桥梁资产进行了将一个值转换为另一个值的幕后工作，这使得跨货币的转移速度更快，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.

这是使出色脱颖而出的一件事：它使得处理多种货币就像仅发送一份一样容易 - 不等待，没有不必要的转换或第三方平台。

How to Store XLM

如何存储XLM

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

有几种存储XLM的方法，具体取决于您需要访问的频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.

如果您正在寻找可以从手机或浏览器中易于管理的东西，那么恒星或出色的软件钱包就是方便的选择。它们使您可以完全访问您的硬币，同时使事情保持用户友好。

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，如果您的目标是您的目标 - 例如，如果您持有大量数量或不打算每天使用它 - 诸如Ledger或Trezor之类的硬件钱包是更好的选择。这些设备离线存储您的钥匙，保护它们免受黑客攻击或恶意软件的影响。

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

无论您采用什么选择，要点是：XLM是您的数字资产，保护它取决于您。

Where to Buy Stellar Lumens (XLM)

在哪里购买恒星流明（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.

有三种通用方法可以通过XLM进行操作：通过交流，点对点（P2P）平台或在线货币交易所。每个人都可以使用 - 这仅取决于最适合您的东西。

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.

交流是购买XLM的最直接和广泛使用的方式。您可以注册一个帐户，以法定货币或其他加密货币为其提供资金，然后进行交易。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.

如果您想要一个稳定，值得信赖的选择 - 并且不想验证自己的身份 - 交流就是您的首选。

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

如果您想使用借记卡或信用卡购买恒星流明，