Stellar (XLM) says cross-border payments settle in about five seconds

Stellar (XLM) said its cross-border payments network can settle in about five seconds with network fees under a cent, highlighting a payments model built around moving value across currencies rather than transferring its native token alone. The company’s page, published Oct. 28, 2026, also pointed to more than $2 billion in monthly volume and 99.998% uptime since 2014. According to Stellar’s own materials, the network is designed for banks, enterprises and payment providers that want to pay in one currency and deliver in another. The company said that can reduce the need to hold cash abroad because payments are final in about five seconds, and that one transaction can convert and deliver funds in a single step.

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