Stellar (XLM) is a blockchain network focused on payments and value transfer. XLM, also called Lumens, is the native asset used in the Stellar network.
What Stellar is designed for
Stellar aims to support fast transfers, digital asset movement, and payment-related use cases. It is often discussed in the context of cross-border payments and financial access.
How Stellar differs from general smart contract chains
Stellar is more payment-oriented than many app-heavy smart contract networks. That does not make it better or worse; it means the design priorities are different.
Users should still confirm wallet support, network details, and asset type before sending funds.