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Where to buy Stellar (XLM) – Beginner’s Guide

If you want to buy and trade Stellar but don't know how to start, you've come to the right place. In this guide we list the best platforms to buy XLM, how to make your purchase step-by-step and how to sell your coins.
Stellar lumens buy
Stellar lumens buy

Stellar is among the fastest-growing Blockchain platforms that we have today. With increased speed, more scalability and less cost, this cryptocurrency platform has gained relevance in the blockchain industry with one more added advantage – simplicity.

Now among the top 10 blockchain platforms globally, Stellar sports its own cryptocurrency, Stellar Lumens (XLM).

But can it become one of the few cryptocurrencies you can invest in?

If you want the added advantage of affordability and simplicity, then yes.

However, there are several essential aspects to keep in mind. Here, you will learn how to buy stellar lumens (XLM) and where to buy them, but you’ll also know whether it is a wise choice for your blockchain portfolio.

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    How to buy Stellar (XLM): A Quick Guide

    It is 2023, and blockchain has become more affordable, or at least, that’s what most people expect it to be. If you are the same and seek to purchase a cryptocurrency at a low cost, you’ll be happy to learn that the eToro platform provides the perfect way to purchase lumens coins – at just $10. It is fee-free if you’re using USD to buy your cryptocurrency; this benefit extends to debit or credit card payments in USD.

    Here is a thorough way to get your hands on some Stellar Lumens:

    1. To get started, you must create your eToro account. The procedure is quite simple. All you require is to input your details, provide a verification ID, and you will receive your credentials once the platform accepts your credentials.
    2. Enter the funds: You need to deposit a minimum amount to start trading on the platform: USD 10. Thus, make the required deposit and open the account. If you are using USD deposits, they are chargeless or fee-free. After that, choose the debit or credit card payment method you’re comfortable with.
    3. Search for the Stellar coin: Once you have entered the dashboard and into the domain of eToro, it is time to search for the Stellar Lumens coin. Thus, enter the term “Stellar Lumen” in the search box, click on the options that appear before you, and end on the relevant page. Afterward, click on the “Trade” button to proceed.
    4. Make your purchase: After being directed to the relevant page, you must choose how many coins you wish to purchase. Enter the desired about and click on the “Open Trade” option to finish.

    The process is quick but is bare-bones. Read on if you want to look at a more comprehensive procedure of the same, and then want to take all the decisions after weighing all the pros and cons of the Stellar (XLM).

    Best Places to Buy Stellar in April 2023

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    Where to buy Stellar (XLM)?

    Before purchasing the coin, you must decide where you want to buy your cryptocurrency. It is a critical decision that sets the foundation of your trading capabilities in the blockchain domain.

    Stellar is not just “any other” cryptocurrency; it is counted among the top 10 blockchain investments. Therefore, it has the attention of many crypto exchanges, all providing an array of lucrative deals and functionalities.

    Because we understand the gravity of this situation and want you to make the right choice, we are presenting a list detailing the top four ways you can buy Stellar (XLM).

    1. eToro – the best way to buy Stellar because of the attributes

    Among all the crypto trading platforms we have come across, eToro is the best.eToro exchange It has an intuitive interface, provides a wide array of functionality, and has the most incentives for purchasing cryptocurrencies.

    Launched in 2007, eToro quickly established itself among the biggest crypto platforms. Contributing to that rise is its unique approach to the fee structure.

    It takes a spread-only approach when you purchase a coin. What is that? It is a fee equivalent to the difference between buying and selling price of coins.

    This spread on cryptocurrency starts at the lowest level and continues until the highest. Other exciting aspects of this platform include no deposit fee for US dollars and the acceptability of all payment methods. So, whether you have a debit card, credit card, ACH, online banking, or domestic wires, eToro will provide you with a way to invest in Stellar (XLM).

    Furthermore, for the more tech-savvy among you, eToro also accepts payments via E-wallets such as PayPal and Neteller.

    The minimum deposit requirement for all clients is $10. This amount is enough, especially if you wish to buy multiple Stellar Lumens from the start. However, if you are eying more exclusive coins such as Solana and ETH, eToro also allows you to invest in a fraction of those tokens.

    Buy Stellar XLM

    Besides Stellar Lumens (XLM), eToro supports more than 40 digital assets. These include Dogecoin, Litecoin, EOS, Cardano, XRP, to name a few. If you are up for investing in multiple asset classes, eToro has systems to facilitate you.

    Furthermore, if your interest is not only in Star Lumens (XLM) but also in other digital assets, creating an eToro CopyPortfolio allows you to take a simple but effective approach towards that.

    What is CopyPortfolio? It is a passive financial product to invest in multiple cryptocurrencies of diverse values to discerning eyes. Being on the flagship features of the platform, CopyPortfolio gets all the maintenance it requires from eToro’s internal systems.

    But the perks of eToro do not stop there. It is also one of the best crypto staking platforms on the platform – making it an ideal tool if staking your Stellar Lumens is something you’re up for.

    Buy Stellar on eToro

    2. A convenient place to buy Stellar lumens with a debit card

    Akin to eToro, has also gained immense popularity among Exchangecrypto enthusiasts. It distinguishes itself from other exchanges in its desire to strive for simplicity and cost-effectiveness when the matter is about purchasing crypto assets.

    In fact, word on the grapevine is that is one of those rare platforms that opened the doors to crypto to those whose bank balances were too humble to enter the blockchain ecosystem.

    The procedure to buy Stellar (XLM) from is similar to other platforms. It consists of account creation, verification, and coin purchase.

    Because puts the accessibility aspect at the forefront, it accepts most conventional forms of payment, including debit and credit cards. Due to that, this popular trading portal provides novice and veteran users with an efficient way to invest in crypto assets.

    Let us now talk about the charges. will charge you 2.99% for buying Stellar (XLM). However, you won’t need to pay any costs if you invest in Stellar Lumens, or any coin for that matter, during the first month of opening the account. By giving new account holders a free trial for one month, it has been able to increase its investor count.

    Buy XLM on crypto dot com hosts 250+ crypto assets other than stellar lumens. These assets allow this platform to diversify its portfolio and render facilities beyond traditional exchange and brokerage.

    But the variety of services it renders doesn’t stop there. also offers a visa-backed prepaid debit card – allowing interested users to engage with non-digital, cash-infused monetary transactions.

    Other than that, the platform also has an Earn Tool. By sporting analytics of the latest trends of the blockchain ecosystem, the earn tool helps the newcomers find better crypto-investment opportunities.

    Buy Stellar on

    3. Coinbase: The most user-friendly way to purchase Stellar

    For those looking for a DEX with simplicity, Coinbase provides a wide array of user-friendly options. The platform launched in 2012 and, leveraging its simplicity and inclination towards new customers, evolved into a NASDAQ listed stock.

    Its reputation is well-known within the crypto space – allowing it to gather hundreds of millions of customers since its inception. Because of its simplistic approach, Stellar is suitable for starters seeking a platform that they can trust without conducting a lot of assessment.

    Here is how to invest in Stellar coin via Coinbase:

    Download the app, sign-up, provide your IDs to receive verification. Once you’ve created an account on the platform, you’re free to engage with its systems to add a payment method and start investing in Stellar Lumens.

    Stellar buy Coinbase

    As far as the charges go, Coinbase charges a 4% fee to purchase lumens via debit or credit card. Yes, it is pricey. However, since Coinbase follows along the lines of eToro, it has a fee-free model for US customers. Just use ACH to transfer USD, and after the funds arrive, at 1.49% to buy lumens.

    Buy Stellar on Coinbase

    4. Binance – For those worried about the price

    Do you consider yourself of humble means but still don’t want to miss outBinance Logo on blockchain? If so, Binance is the cheapest option among all the listed platforms. It is a high-level trading platform with 100 million users and can be your place of choice to invest in Stellar Lumens.

    For payment options, you are free to choose between crypto or dollars to invest via Binance.

    However, it is advisable to invest via cryptocurrency because while the dollar is convenient, using crypto is the cheapest, costing a mere 0.10% per slide.

    The platform follows a location-dependent fee model for debit/credit card payments but charges a 4.5% transaction amount. If that sounds steep, you can choose among banking options such as ACG, and they are chargeless but time-consuming.

    XLM buy Binance

    Once you have purchased stellar lumens using your desired method, the tokens will be transferred into your Binance web wallet. Another factor that makes Binance a cut above the rest of its competitors is its wide range of security tools. It does not shy away from robust security measures, including two-factor authentication, cold storage and device whitelisting.

    Furthermore, to facilitate financial security to the customers, it provides Safe Asset Funds. Currently valued at 1 billion US dollars, SAF is a Binance-designed tool to protect user funds. 10% trading fees of every transaction is allocated to this fund to facilitate insurance against security issues.

    Buy Stellar on Binance

    What is Stellar Lumen (XLM)?

    Stellar is an open-source platform for payments and currencies. It is used for creating and sending digital representations of all currencies, including crypto. A truly publicly accessed network with no owner, it aims to unite the world’s financial systems.

    Supported by a decentralized network, Stellar handles millions of transactions every day.

    Developers came up with it to address the most prominent issues in the current ecosystem. It has grown in worth as a result. Other reasons are that it is a cheaper, faster, and energy-efficient blockchain.

    Launched in 2014 to enhance the existing financial system, Stellar has solved more than 2 billion operations.

    As a multi-currency platform, it has done away with restrictions and thus allows all types of cryptocurrencies to exist amidst its blockchain systems.

    Stellar lumens buy

    To facilitate the transactions, Stellar uses Stellar Lumens (XLM), a native digital currency. It accelerates the speed at which the blockchain performs the transaction. Thus, interacting with Stellar requires a minimum balance of 1 Lumen. 100,000 transactions can be achieved by this amount of XLM, considering each transaction costs 0.00001 Lumen.

    The native currency acts as a bridge to make cross-border asset transactions less pricey and more reliable. Since it was founded by one of the co-founders of Ripple Labs, it has the same foundation as the XRP coins.

    This token eases the movement of money between the users.

    However, unlike other crypto coins, these aren’t rewarded over time. Instead, Stellar gave Lumen’s production a 1% annual increase during the first five years since its launch. Thus, after 2019, the production was reduced. Currently, 50 billion lumens are in circulation, 20 billion of which are in the open market and 30 billion coins are used for Stellar’s development.

    Stellar is now planning to put the remaining coins to the public.

    Is Stellar Lumens (XLM) a good investment?

    Although launched to enhance the capabilities of Stellar blockchain, Lumens has now gained ground in the outside market as well. It has seen a modest increase in value. However, the Blockchain market is inherently volatile. Thus, we won’t advise you to invest in XLM (Stellar Lumens) right away.

    That being said, the current market trends are shouting that stellar might be a good investment.

    And here are the reasons:

    Faster and cheaper transactions speeds

    One Lumen costs less than a penny, a groundbreaking aspect of the cryptocurrency ecosystem. For those who wish to invest in the blockchain’s future, XLM provides a good entry point.

    Furthermore, the currency uses anchors to create a faster exchange network.

    Anchors are referred to as financial institutions, acting as ramps to facilitate the exchange of different cryptocurrencies.

    The offering of a Smart contract

    Stellar has started offering smart contracts in 2022. It has done to push for affordable transactions by removing exorbitant network fees. For instance, one transaction only costs 0.00001 Lumen.

    Thus, for those of whom cross-border payment fees are a pain point, Stellar lumens’ smart contract-infused approach has resolved that.

    Can handle fiat-based cryptocurrencies

    Conventional currencies constantly butt heads with crypto because of the concept of legality. However, Stellar supports all fiat-based currencies. By bridging real and virtual money, it is merging crypto with conventional assets – inching blockchain towards getting full recognition across the globe.

    Allows Chain Transactions

    Stellar Lumens allows complex chain reactions on the platform. For instance, in the absence of a direct currency pair, stellar lumens can act as the bridge between the two currencies and ease the transaction process.

    Stellar exchange

    The stellar exchange allows for exchanging orders within the platform. The instant interactions of the order in the public ledger ensure no ambiguity exists in the transactions.

    Price Predictions

    As per the price forecast, the average price of XLM is expected to be around $0.13 in the year 2023. The crypto is predicted to have a maximum price of $0.15 in the same year. It is anticipated that Stellar would make a strong comeback by 2024, and its price would cross the mark of $0.2 by the end of that year. The average price of Stellar is expected to be around $0.19 in 2024. The coin is projected to continue its positive momentum in 2025 as well. Experts are hopeful that Stellar would cross $0.31 by the end of 2025, thereby generating huge returns for its investors.

    Stellar Price Chart- CoinMarketCap

    Stellar Price Chart- CoinMarketCap

    Performance of Stellar XLM

    As you all know, it is critical to check out the performance of a token before investing in it. Thankfully, stellar has shown promise, although it is not untouched by the impact of rapid changes in the crypto world.

    Let us take a peek at the performance of XLM price.

    Back in 2021, Stellar price witnessed a “stellar” growth of 108%

    • The stellar foundation released a quarterly report for 2021, impressing the crypto crowd with year-over-year growth numbers.
    • There was an enormous Increase in the network’s number by 35.57%.
    • Total payments on Stellar saw an increase of 372.19%.
    • The average daily volume on its DEX increased by 962.94%.

    The value of stellar Lumens saw a considerable uptick. What started at 0.13 in Jan 2021 nearly doubled to 0.27 by the end of the year. However, the most increase came in May 2021, when the XLM was valued at 0.70.

    However, we can’t say that everything is up and up when it comes to stellar. Since entering 2022, Lumens have seen its fair share of fluctuations.

    It started at 0.2763 at the beginning of the year, peaking at 0.2713 in the same month. After some ups and downs, it peaked again at 0.2627 on 12th January.

    However, global circumstances made it fall in value; it bottomed at 0.192 on 22nd January. The other half of 2022 didn’t witness any good results for XLM as well. The crypto was priced at around $0.10 in September 2022,  Though it regained some momentum afterward, however, it wasn’t too long before the crypto went further down to the price of $0.07 in December 2022.

    The year 2023 has been of mixed emotions for XLM as the crypto managed to get green arrows on its price charts. Though the price rise wasn’t very high, the crypto managed to hold on to the value of $0.08 and observed a growth of 1.35% in the first two months of 2023.

    Market fluctuations in the blockchain space are nothing new. And like all in-vogue cryptocurrencies, these shifts reflect on the XLM trends.

    That being said, one can’t deny the risky proposition it is to invest in Stellar lumens.

    What are the risks of buying Stellar (XLM)?

    Before you invest in Stellar, you should understand the risks involved. A blockchain is a diversified place where things can change quickly. And while Stellar has done all it can to make the market more conducive and welcoming, there are certain aspects that you cannot ignore.

    Volatile market

    Even though stellar maintains a good position in the graph, that can change rapidly with time. We have witnessed the downward trend in Jan, picking back up.

    Afterward, the crypto market was in shock after lumens went to the lowest, closing at 0.17 at the start of March. One can say that because stellar is so intertwined with other crypto-currencies, acting as a facilitator of cross-border transactions, it is susceptible to changes in the market.

    Tokens have ended

    No more tokens are being produced by the platform anymore. There are 50 billion tokens in total, out of which 20 billion are available on the secondary market, and 30 billion tokens are utilized for Stellar’s development.

    But that development is slow. And even though a plan exists to release the remaining 30 billion coins to the public, the progress has been slow. And that sluggishness leaves them susceptible to market volatility.

    People are dogmatic about leaving competitors.

    Stellar has many competitors, including goliaths like ETHEREUM, RIPPLE and others. They bear a bigger and better portfolio than Lumens. Thus, although people are interested in Lumens, their choice is driven by cheapness.

    The critical reason behind this is the lack of communication. Stellar is trying to evolve, but it is not communicating its intentions clearly.

    As a result, people are apprehensive about seeing Stellar Lumens as an alternative.

    Ways to buy Stellar (XLM)

    What is your preferred method to enter the crypto ecosystem? Whatever your approach is, the top-rated brokers in the market are ready to help you.

    As the blockchain ecosystem grows accustomed to creating a conducive environment for newcomers, most trading platforms welcome standard payment methods.

    Thus, you can choose between the following ways to get your hands on Stellar XLM.

    Purchase Stellar using conventional credit and debit cards

    It is an option for you if you have an account with eToro or Coinbase –regulated online brokers with a good history. Debit and credit cards are viable on those platforms, allowing you to directly invest your money in stellar.

    However, the charges are higher, with Coinbase charging 3.99% and charging 3%.

    However, both those platforms, including eToro, take the fee-free approach for USD-backed credit or debit cards.

    Buy stellar with PayPal.

    Seeking to invest in Stellar using wallets? Yes, there are options available to you, and all it requires is a verified account on Coinbase. However, charges are high. Thus, eToro is a more prudent option if you want to leverage your wallet to invest in Stellar Lumens.

    Choosing the best Stellar XLM wallet

    If you genuinely want to feel like you belong to the blockchain atmosphere, you need to take an approach traditional to the ecosystem – crypto wallets.

    However, before choosing the best wallet to store your lumens, keep the following points in mind:

    1. Maintain a minimum Balance: Your wallet should have had 20 XLM at all times to remain active. However, since Stellar has become more open and is on the path to making blockchain more welcoming to outsiders, you only need 1 XLM in your wallet.
    2. Look at the security features: You can watch your real wallet, but digital wallets need robust digital security. Therefore, don’t shy away from looking for wallets with security features such as encryption, two-factor authentication, PIN and password.
    3. Find out about restoring during a crisis: Wallets must offer you a way to salvage your coins. Without a back- up feature that should be present, investing in blockchain becomes a risky prospect. Therefore, choose a wallet that provides you with the Recovery option.
    4. Support from the developers: Crypto wallets can act out sometimes; they are digital tools, after all. Thus, when features mess up your wallets, good customer support is what you need.

    Thankfully, Binance,, and eToro encompass these aspects.

    Etoro wallet

    eToro wallet – Many traders and investors prefer it for storing NFTs and Crypto

    Now that you know the different ways you can take to invest in XLM let us expand upon the previous process.

    Install eToro wallet

    How to buy stellar – The Complete tutorial 

    Now it is time for you to know how to buy XLM more comprehensively than we discussed earlier.

    Step 1: Create a crypto account on eToro

    Your first task is to open a Crypto account on the platform we consider the best one yet, eToro.

    eToro sign up

    Account creation is a hassle-free process requiring you to only provide rudimentary information, including full name, home address, telephone number, and email. Then, proceed to choose a solid password to complete the process.

    Visit eToro

    Step 2: Upload your Identification documents

    Not just anyone can be allowed to be a part of the elusive crypto ecosystem; it is a tech-intensive platform hosting human members. Thus, as per the anti-money laundering regulations, you must provide a copy of your government-issued identification document to eToro.

    etoro verification

    You’ll also need to upload proof to verify the authenticity of your residence. Thus, keep an electricity bill handy by your side.

    Step 3: Deposit funds

    Verification leads to access to your account. And once you have access to your dashboard, start by depositing funds in your eToro wallet. You have to put a minimum $10 deposit on the platform, and you can opt for either a debit card, credit card, or bank transfer.

    etoro deposit funds

    Step 4: Search for Stellar Lumens

    Enter “Stellar Lumens” in the search bar. You will land on the relevant page. Once there, load up the order form by clicking on the “Trade” button.

    Buy Stellar XLM

    Step 5: Purchase XLM

    Choose how much investment you want to put in and click on the “Open Trade” to finalize your transaction.

    How to sell stellar?

    Once you have purchased the Stellar Lumens (XLM) tokens, eToro will store them in your wallet. Whenever you desire to sell your coins, just go to your dashboard, select the lumens and “execute sell order”. After-sale, the USD equivalent value of the tokens will be added to your account.


    Stellar (XLM), due to its affordability, fast processing and conducive approach toward crypto, can prove to be a game-changer.

    By providing highly scalable transactions combined with simplicity, effortless cross-border transactions and ease of use, it has genuinely become desirable for crypto enthusiasts.

    So, if Stellar XLM matches your requirements, buy it using eToro.

    eToro - Our Recommended Crypto Platform

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    What is XLM?

    XLM is Stellar Lumens, the Native token of Stellar, and it is considered one of the best performing altcoins in the market today.

    Where to buy XLM?

    XLM is among the top 10 cryptocurrencies in the market, and thus, you have a wide array of trading platforms. But, eToro is the best platform to purchase XLM.

    How many XLM coins remain?

    There are 20 billion XLM coins in circulation, and stellar is planning to release the remaining 30 billion tokens in future.

    Question & Answers (5)

    Have a question? Our panel of experts will answer your queries.Post my Question
    1. Question

      Why people say XLM is much overrated ?

    2. Question

      I was afraid for so long to get Stellar Lumens because of the complexity of buying it. But, after reading this, I don’t think I will have any problems. Did you have any problems?

      • Answer

        Hello Joshua, no we didn’t feel any complexity when buying Stellar Lumens. All we had to worry about was choosing a legitimate and secure cryptocurrency broker to avoid getting scammed. We found out that eToro is the best choice for buying Stellar Lumens.

        Inside Bitcoins
    3. Question

      Awesome blog. Nice

    4. Question

      The FAQs made in the end helps me a lot. Keep making them.


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