How to buy Stellar (XLM)?
Buy XLM on Bielik, a Polish crypto platform. Simple and transparent – with low fees and instant execution.
What is Stellar (XLM)?
Stellar is a public, open-source distributed ledger for fast, low-cost cross-border payments and for issuing and transferring digital representations of fiat currencies and other assets. According to the white paper, it is a specialised financial transaction layer rather than a general-purpose platform.
The network uses the Stellar Consensus Protocol (SCP), based on Federated Byzantine Agreement (FBA). Each node chooses a set of trusted validators, and consensus forms where these sets overlap. Ledgers usually close every 5–7 seconds, without mining.
Links to traditional payment systems are provided by regulated intermediaries (anchors), and smart contracts run on the Soroban platform – in WebAssembly, written mainly in Rust.
What is XLM used for?
Transaction fees
Every transaction requires a fee in XLM. The base fee is 0.00001 XLM and rises when the network is congested.
Minimum balance
Accounts must keep a minimum XLM reserve. Together with fees, this limits spam and uncontrolled ledger growth.
Smart contracts
Execution and data storage fees for Soroban smart contracts are also paid in XLM.
Payments and assets
Stellar is used to send value and to issue digital representations of currencies and other assets.
XLM supply
At network launch the supply was approx. 100 billion XLM, and an inflation mechanism added approx. 1% per year. In October 2019 the community voted to switch inflation off, and in November 2019 the Stellar Development Foundation permanently removed more than 55 billion of its tokens.
According to the white paper, supply is now effectively fixed – at approx. 50 billion XLM – and no new tokens are expected to be created.
Who created Stellar?
The issuer of XLM is the Stellar Development Foundation (SDF) – a non-profit founded in 2014, based in San Francisco, which maintains the Stellar codebase. It is led by Denelle Dixon.
According to the white paper, the SDF initially retained approx. 30 billion XLM, and more recent data shows approx. 17 billion XLM in accounts managed by the foundation.
History of Stellar
The Stellar project starts and the Stellar Development Foundation is formed.
The Stellar Consensus Protocol is introduced.
The community switches off the inflation mechanism.
The SDF permanently removes more than 55 billion XLM – supply falls to approx. 50 billion.
Publication of the MiCA white paper for Crypto Risk Metrics GmbH (XLM).
Buy XLM in 3 steps
Create an account
All you need is an account to check the price and buy XLM.
Top up your wallet
Use the available payment methods and follow the price of XLM and other cryptocurrencies in real time.
Invest
Buy XLM and other cryptocurrencies with low transaction fees and instant execution.
Available payment methods
More methods coming soonBank transfer
Top up your account with a standard transfer from your bank.
- No additional fees
- A safe, proven method
Payment card
Instant transactions and immediate crediting of funds.
Mobile payments
Convenient payments you can complete in seconds.
Frequently asked questions
How much does Stellar (XLM) cost?
Check the current XLM price in the Bielik app.
How do I pay for XLM?
You can currently top up your account by bank transfer. Card payments (Visa, Mastercard) as well as BLIK, Apple Pay and Google Pay are coming soon.
Where can I find the Stellar white paper?
You can find the link to the MiCA white paper on the website of our partner BitGo, which lists white papers from the ESMA register. The document was prepared by Crypto Risk Metrics GmbH – look for “Crypto Risk Metrics GmbH” on the list. Go to the white paper list
What are anchors on the Stellar network?
They are regulated intermediaries that connect the Stellar network with traditional payment systems – they enable deposits and withdrawals of fiat currencies.
Have questions?
Our team will be happy to help you buy XLM and other cryptocurrencies.
The information on this page is based on the MiCA white paper for Stellar (Crypto Risk Metrics GmbH, 2026), available via the BitGo white paper list. This content is for information purposes only and does not constitute investment advice.