Stellar（XLM）：改变跨境支付的区块链平台

Stellar（XLM）作为一个专注于改变跨境支付的区块链平台，正在加密货币世界掀起波澜。它旨在弥合传统金融与去中心化数字世界之间的差距，为全球金融系统带来负担得起、快速且安全的支付解决方案。随着其日益普及，Stellar 将自己定位为重塑资金跨境流动方式的关键参与者。

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）作为一个专注于改变跨境支付的区块链平台，正在加密货币世界掀起波澜。它旨在弥合传统金融与去中心化数字世界之间的差距，为全球金融系统带来负担得起、快速且安全的支付解决方案。随着其日益普及，Stellar 将自己定位为重塑资金跨境流动方式的关键参与者。

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.

在这篇文章中，我们将深入研究 Stellar 的细节，探索它的定义、关键特性和操作模式。我们还将重点介绍一些现实世界的用例、XLM 在 Stellar 生态系统中的作用，以及 Stellar 面临的挑战和机遇。

What Is Stellar (XLM)?

什么是恒星币（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既是一种加密货币，也是一个去中心化的区块链网络，旨在促进低成本、快速和安全的跨境交易。 Stellar 的核心目标是提高全球支付的效率，让资金从一个国家轻松汇至另一个国家，无需支付高额费用或处理时间较长。其原生加密货币 XLM 为网络提供动力，提供支付交易费用和确保系统安全等基本功能。

Key Features That Set Stellar Apart

使 Stellar 脱颖而出的关键特性

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

Stellar 拥有多项独特功能，使其有别于其他加密货币和区块链项目。这些包括：

- 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专为优化跨境支付而设计，使用户能够以最低的成本在不同国家之间快速汇款。

- 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网络效率很高，只需几秒钟即可处理交易，非常适合紧急付款或快速兑换。

- 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.

- 低交易费用：恒星交易产生的费用非常低，通常是一美分的几分之一，确保用户可以发送少量资金而无需支付高额费用。

- 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.

- 多货币支持：Stellar 网络支持多种货币，包括法定货币和加密货币。这使得用户可以轻松地在不同资产之间进行转换和交易。

- 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运营着一家名为StellarX的去中心化交易所，用户可以直接在Stellar网络上交易各种加密货币。

- 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.

- 智能合约：Stellar 最近推出了有限的智能合约功能，允许开发人员创建可以与 XLM 余额交互或在网络上执行简单操作的基本程序。

How Does Stellar Work?

恒星如何运作？

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使用一种独特的共识机制，称为Stellar共识协议（SCP）。这种联合拜占庭协议系统可确保快速、安全的交易，而无需进行能源密集型挖矿。 SCP 允许验证者就交易历史达成一致，使网络能够以最少的计算资源快速处理支付。

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.

与需要矿工解决复杂难题或持有大量加密货币的工作量证明或权益证明协议不同，Stellar 的 SCP 依赖于一组受信任的验证者（称为仲裁切片）来达成共识。交易的有效性和分类账的状态。

Real-World Use Cases for Stellar

Stellar 的真实用例

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

Stellar 的技术和对跨境支付的关注吸引了各个组织的兴趣，从而产生了多个实际用例。

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.

一个值得注意的例子是 MoneyGram 与 Stellar 的合作。此次合作旨在利用 Stellar 网络进行跨境稳定币结算，从而在 MoneyGram 庞大的代理网络与 Stellar 连接的交易所之间实现更快、更高效的交易。

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.

另一个用例涉及恒星发展基金会与 Thunes 的合作伙伴关系。他们共同致力于将 Stellar 的技术整合到 Thunes 的全球支付网络中，以加强对新兴市场的跨境支付。此次合作旨在提供更快、更透明且更具成本效益的支付解决方案。

The Role of XLM in the Stellar Ecosystem

XLM在恒星生态系统中的作用

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的原生加密货币，在生态系统中发挥着至关重要的作用。它用于支付交易费用，确保网络安全，并充当将一种货币转换为另一种货币的桥梁资产。 XLM还为Stellar网络提供流动性，让用户轻松交换各种资产。

To elaborate on these functions:

详细说明这些功能：

- 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.

- 交易费用：Stellar 网络上的每笔交易都会产生少量费用，通常以 XLM 支付。这些费用有助于维护网络并阻止垃圾邮件交易。

- 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.

- 网络安全：XLM持有者可以通过“提名”验证人来参与网络的共识机制。获得最高提名的验证者有更大的机会被选中参与共识轮次，从而确保网络的完整性和安全性。

- 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.

- 桥梁资产：XLM作为Stellar网络上不同货币之间转换的桥梁资产。例如，如果用户想要将美元兑换成欧元，他们可以使用 XLM 作为中介，将美元兑换成 XLM，然后将 XLM 兑换成欧元。

- 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.

- 流动性供应：Stellar 的去中心化交易所 StellarX 促进了直接的加密货币交易。 XLM 有助于这些市场的流动性，使用户能够快速交换加密货币，而无需通过外部交易所。

Stellar's Partnerships and Growing Adoption

Stellar 的合作伙伴关系和不断增长的采用率

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

Stellar对跨境支付的关注及其技术能力引起了各大机构的关注，引发了多家机构的关注。