Stellar is a decentralized blockchain network intended to be a faster, cheaper and more efficient blockchain system for storing and moving cryptocurrencies internationally, and its native token is known as Lumen or by its ticker XLM. When talking about how to buy Lumen coins, some combine both words together and refer to buying Stellar Lumens or just buying XLM.

In this guide we cover where to buy Stellar Lumens, how they work and the background of the Stellar project.

How to Buy Stellar Lumens coin (XLM) – Quick Steps

If you want to buy cryptocurrency including Lumen coins, then you can choose eToro. A highly regulated platform where you can begin your investment with just $10.

Follow the guide below and invest in Stellar Lumens in a few minutes:

  • Step 1: Open an eToro Account – The first step is to open an account on Go to the sign up page, provide your personal information as asked, and verify your account by uploading necessary documents.
  • 💳 Step 2: Deposit Funds – eToro is a world-renowned broker that offers an extensive selection of trading markets and instruments. All of these without the need for fees. US and UK traders can open their accounts with just $10. Choose from debit or credit card payments or Paypal to put money into your eToro wallet. You can also opt for a bank wire transfer.
  • 🔎 Step 3: Search for Lumens crypto – Search for ‘Stellar Lumens’ or ‘XLM’ on the search bar and then click ‘Trade’.
  • 🛒 Step 4: Buy XLM crypto – Choose how much you want to invest in XLM with, starting from $10. Click ‘Open Trade’ and confirm your order.

For a more detailed explanation of how to invest in Lumens crypto coins – see below.

Where to Buy Lumens Coin – Best Platforms

If you want to invest in Stellar, first make sure that the crypto exchange you use has listed the XLM crypto asset. There are dozens of options out there for this cryptocurrency.

But the best place to invest in Stellar Lumens is through one of the cryptocurrency platforms that we have reviewed in our guide.

1. eToro – Overall Best Place to Buy Stellar Lumens

The best platform place to buy Stellar Lumens is eToro. You can purchase XLM buy paying commission on a spread-only basis. This means paying a fee amounting to the difference between buying and selling prices prevailing when the order gets executed.

They also offer discounts for high-volume traders as well. If you buy Bitcoin, it has 0.75% commission. This is a better deal compared to many platforms charging higher spreads.

eToro is one of the most popular crypto platforms as it is regulated by the FCA, SEC, ASIC, CySec, and registered with FINRA.

eToro crypto

In addition, clients living outside America will not pay any exchange fees when funding their accounts via USD transfers or credit card purchases. This includes debit/ATM cards as well ACH transactions online banking etc. The minimum deposit on eToro in the US and UK is just $10 or the GBP equivalent.

eToro is chosen by many investors for cryptocurrency trades because it offers over 60 digital assets to traders to choose from. Some of these include Bitcoin, Cardano, Litecoin, Dogecoin, Shiba Inu, and Ripple (XRP) – which can be bought at low spreads. Other assets like foreign stocks, ETFs, forex, indices, etc are also offered by this platform.

If you’re interested in diversifying your portfolio and aren’t sure how much XLM to buy or a good price to buy XLM at, eToro has Smart Portfolios, such as its CryptoPortfolio. That allows you to invest in more than a dozen of the best altcoins and tokens through one investment strategy. eToro charges no management fees for its copy portfolio or copy trading features.

eToro is also the best crypto staking platforms, currently paying out an APY for holding ETH, ADA or TRX.

Cryptoassets are a highly volatile unregulated investment product.

2. – Easy Way to Buy Lumens Coin With a Debit Card is another popular online cryptocurrency exchange that offers logo the opportunity to invest in crypto assets like XLM through its simple yet cost-effective approach.

The platform strives towards giving users an easy way of buying Lumens coins by simply registering their personal information after signing up, verifying identity and completing some other basic tasks like depositing, etc. Once all these steps are completed, then you can purchase XLM tokens using their debit cards too. accepts both Visa and MasterCard accepted payments to buy Lumens. It offers 30 days trial period (no transanction charges are levied during this period) to all its users. review

The platform fully supports investing while on the go with its friendly  desktop browser and mobile app. is popular for offering its users a wide range of other digital asset products besides crypto.

One unique feature of this platform is a pre-paid visa debit card. Users can use this card for online shopping on select e-com stores and also as an ATM card to withdraw money. They also offer interest on idle cryptocurrency investments through their tool “Crypto Earn.”

Lastly, there are Crypto Wallets for over 100+ cryptocurrencies which support mobile device users with easy access no matter where they go. also has an NFT marketplace allowing you to invest in NFTs that you can buy with cryptos like ETH.

Cryptoassets are a highly volatile unregulated investment product.

3. Coinbase – The Most User-Friendly Way to Buy Lumens Coin Today 

If you’re looking for an easy-to-use crypto platform that allowscoinbase logo buyers and sellers from all over the world, Coinbase is a good option. The company was founded back in 2012 by three ex-colleagues who had trouble finding a bank account due to their nonconforming status as startups/small businesses owners.

It is now one of America’s and the world’s most trusted cryptocurrency exchanges, with over 90 million clients on its books. Although customer support can be slow it overall has a good reputation for buying cryptos including the option to buy Stellar Lumens directly with fiat currency. Join via the links on this site for a $10 Coinbase bonus.

coinbase platform screenshot

To invest in Lumens coin at Coinbase, you have to first register yourself and open an account. Buying XLM with a Visa or MasterCard has high fees of 3.99%. ACH transfers are also supported to buy XLM with a bank account for lower fees. They are even lower if using Coinbase Pro – 0.5% for a limit order.

Coinbase is also a suitable platform to invest in other digital tokens aside from XLM since it offers a wide range of assets and has a crypto wallet that also doubles as an NFT wallet.

If you’re actively day trading crypto you might prefer the 0.1% fees on Binance or fee-free copytrading on eToro. Many investors open accounts on several crypto exchanges.

Cryptoassets are a highly volatile unregulated investment product.

4. Binance – Buy Lumens With Crypto at Just 0.10% Per Trade 

binance logoYet another good platform to consider buying Lumens is Binance exchange. It is the largest platform based on volume of transactions and faciliates over 1,400,000 transactions per second.

Its trading charges are quite nominal as compared to Coinbase. When trading against supported digital assets (BTC, ETH, USDT) using its native token BNB, the charges are only around 0.1% or 0.075%.

For deposits, Binance charges 3.5% when using debit or credit cards and $15 for bank wire transfers. It supports ACH deposits free of charge. Take note of the withdrawing fees that Binance comes with. It varies according to the withdrawal method and crypto.


Binance operates in the US by partnering with Binance.US. The website provides access to a wide range of digital currencies, including large-cap blockchain assets and liquid ERC20 tokens.

Binance offers a wide range of storage options to safeguard your holding including their very own Trust Wallet app. This also gives users PancakeSwap privilege on the decentralized exchange market leader Coinbase Pro.

Cryptoassets are a highly volatile unregulated investment product.

What is Stellar Lumens (XLM)? 

The Stellar network was created in 2014 with the goal of increasing financial inclusion. It quickly altered its focus to assist banks in connecting with each other using blockchain technology.

Lumens act as a bridge making cross-border asset trading more affordable, putting pressure on conventional payment providers who demand exorbitant prices for similar services.

Decentralization is the key to understanding blockchain technology, and Stellar Lumens centres its use case around being decentralized, like many cryptocurrencies.

Buy Stellar Lumens

How Stellar Lumens work

The network relies on a worldwide coalition of people who maintain their decentralized servers for this distributed ledger which keeps track of everything that occurs within its borders – transactions between users as well as any updates made by entities running applications inside the system.

With the Stellar Lumens system, you can send money across borders more quickly and easily than ever before. In fact, it works similarly to PayPal and once dollars have been deposited into an anchor (the equivalent of opening up a bank account), they will be kept safe.

Is Stellar Lumens a Good Investment?

Cryptocurrencies are the new thing in finance, with high returns that have been unmatched by any other type of investment. In recent months as Bitcoin and Ethereum start to stabilize and move back up, it has led many people towards investing in altcoins. They see the greater potential for profit as altcoins tend to have more explosive rallies.

Cryptocurrencies are attracting more investors day by day, but which cryptocurrency should you buy? Only a small percentage of coins succeed long-term. You’ll need to do some homework and be able to spot those coins whose use cases make them valuable enough for investment, if you want to put your money in these more ‘risk on’ assets.

Cheaper and Faster Transaction Method

Lumens are the way to go for those who need their transactions fast and cheap. They can be swapped instantly with anyone, anywhere in just 3-5 seconds.

This makes it possible that this form of currency will work best if you’re located somewhere without access or an interrupted financial system like Eastern Europe where people haven’t been able to compete effectively against the Western offerings. The reason is that they don’t have any big banks operating there yet. This is where Stellar comes in.

  • With Stellar Lumens, you won’t have to pay fees of 10% or 20%. You’ll only pay around 0.00001 Lumens for sending money across borders which is less than $01.
  • The launch of their official exchange is another advantage. Investors can now trade cryptocurrencies like Bitcoin or Ethereum with Lumens.
  • You have access to more currencies because there are no fees when exchanging between different types of coins on this platform.
  • You may also send EUR from one person’s account into another via Tempo Me — all without having conversion costs associated with sending money across borders using traditional methods.

XLM is a cost-effective currency that offers easy transactions. Lumens also has an accessible platform with decentralized features to make it great for everyone. Its database is simpler than those using Proof-of-Work.

XLM in the South Pacific

Lumens are especially valuable in the South Pacific, where 60% of cross-border payments will be handled by it. There’s a lot going on with this cryptocurrency that you may not know about yet.

For one thing, there is an experiment happening to see if Lumen can become submerged into networks like Ethereum or Bitcoin so they’ll have more utility than just being used exclusively as digital money.

Energy with Lumens

The future of energy is now open to all with Irene Energy’s new crowd sale on the Stellar Lumens’ internal exchange. The company has harnessed artificial intelligence and blockchain technology in order for customers to get to pick the exact producer of oil while choosing which gas station should provide their fuel needs.

Stellar Lumens Price Chart

Taking a look at the price chart of the Stellar Lumens coin, we can see that the coin was officially launched with a price of $0.0024 in 2015. The coin experienced its first bullish run in 2017 following the uptrend of the cryptocurrency market. Stellar hit its all-time high of $0.94 in January 2018 and dropped to $0.11 by the end of the year. 

Stellar took its second bullish run in May 2021 but this time the coin’s value did not exceed its previous all-time high reaching only $0.7. In October 2021 when Bitcoin and many other popular cryptos hit their all-time highs, Stellar’s price was fluctuating between $3.5-$4. 

Stellar (XLM) All-time Price Performance Source-

Stellar (XLM) All-time Price Performance, Source:

The XLM price today is currently around $0.106. It has increased significantly since opening in 2023 with a price of $0.071. So the coin’s value increased 1.5 times in the last 3 months with a YTD return rate of almost 50%.

XLM Price Prediction

XLM’s value has increased by 50% during this year after reaching the lowest of $0.071 at the end of 2022. So far in 2023, the coin has a YTD return of nearly 50% and the projections appear to be quite optimistic. However, whether the coin will increase or not depends on the overall condition of the cryptocurrency market which has been in a bearish run since the end of 2021. If the crypto market starts an uptrend XML is likely to follow, considering the fact of its recovery by 50%. 

Apart from it, XML is one of the most valued crypto projects, and its currently the 25th largest crypto with a market cap of $2,809,377,929. Other factors that can influence XML price include the upgrades regarding the Stellar network, competition, etc. As for the crypto analytical platform, the predictions for the XML price are quite bullish. 

Price Prediction indicates that the coin will have an average price of $0.11 in 2023 and a maximum price of $0.13. According to this platform, the coin will double its value in 2024 and hit $1 by the year 2029. Digital Coin Price projections show that Stellar will be traded at $0.22 this year and it will be traded above $1 in 2030. In its turn, Wallet Investor predicts that XML price can drop $0.1057 to $0.00758 in a year. 

Cryptoassets are a highly volatile unregulated investment product.

Ways of Buying Stellar Lumens

The best way to buy XLM largely depends on your chosen payment method. When using one of the top-rated brokers that we have reviewed, you can choose payment options from the ones listed below:

Buy Lumens With Credit Card or Debit Card

You can invest in Lumens with a credit or debit card through eToro. The investment process takes place immediately after you open your account and choose to purchase tokens from within the platform. It is even hassle-free for users who are not tech-savvy.

Coinbase charges a hefty amount for credit card payments that are reflected when you checkout and permits debit cards at 2.99%. eToro offers USD-backed deposits with no fees whatsoever.

Buy Stellar Lumens With Paypal

Lumens are a cryptocurrency that can be bought and sold on many exchanges. Paypal is support by eToro, one of the few cryptocurrency platforms to do so.

Buy Stellar Lumens Without KYC Verification 

If you’re hoping to invest in XLM without going through a KYC process, you can use a smaller web-based exchange such as Changelly. For the larger regulated exchanges, KYC would be necessary, although with that comes greater security when holding onto your crypto coins long-term.

Best XLM Wallet

XLM can be stored in different forms, including mobile apps and desktop software. You should decide your Lumen storage devices according to what’s best suited for your needs as an investor. These wallets give you full control over your tokens and will be able to use them as they see fit, with no one else being aware of them.

The eToro Money crypto wallet is a suitable options as it has a user-friendly interface and a smartphone app. The eToro wallet has been built with inexperienced crypto investors in mind. In case you forget your password or misplace private keys, they can help restore access for free.

Risks of Buying XLM

Stellar has been around since 2014 and began to gain widespread attention during the 2017 crypto bull run, reaching its all-time high around $0.90 in January 2018 around the time of the Bitcoin crash from $20k. Some might argue as it hasn’t retested that ATH in over four years, it hasn’t made much progress.

Volatility and Uncertainty

All cryptocurrencies offer a high level of risk and uncertainty. As such, experts advise that you only invest what funds are able to afford the loss should things go wrong with your investment.

New altcoins could emerge that do what Stellar does, only better – some would argue there are already other decentralized blockchain projects with a similar use case.

It does not have the ability to mine due to the lack of a PoW system. It has other drawbacks as pointed out by experts. For instance, cryptos like Lumens or others are difficult to be traded outside of countries where cryptocurrency trade has been legalized or regulated by law yet. We do not know what the future of such standings is.

XLM is a hybrid between Bitcoin and Ethereum. There isn’t widespread adoption of this currency for payments just yet due to its lack of acceptance as a payment method among vendors.

High Supply

The uniqueness of Bitcoin lies in its limited supply of 21 million coins, which makes it valuable. It is not like most coins that are made with little intrinsic value and that can be created in unlimited amounts at any time by miners or governments alike.

Bitcoins have a finite amount – making this currency scarce. Stellar Lumens by contrast has a total supply of 50 billion and currently under 25 billion are in the circulating supply. As more are unlocked over time, that tends to deflate the price per XLM token.

How to Buy Lumen Crypto – Tutorial

For those looking for a detailed walkthrough on how to invest in XLM coin, the native token of Stellar, see below.

 Step 1: Open an eToro Crypto Account 

When you click on the ‘Join Now’ button on eToro website, a form will appear. Fill out this online application with your contact details and full name to get started investing in Lumens.

etoro review

Your personal details are required for the creation of an account. eToro keeps this information secure and private.

Step 2: Upload ID

To invest in Lumens coin at eToro with US dollars, you must first get yourself verified. This process happens instantly so you do not have to wait for more than 1-2 minutes.

etoro verification

To prove your identity, upload an official document with your name on it. This could be anything from a government ID card to proofs of residence like bank statements or utility bills – whatever is most current.

Step 3: Deposit Funds

eToro is a great place to invest your money if you want easy access and flexibility. It has a minimum deposit of $10. You can buy coins like XLM with different payment methods, including Visa or MasterCard.

etoro deposit funds

With a variety of deposit options available, you’re guaranteed to find one that suits your needs. Whether it be PayPal or Neteller – no fees will apply as long as the payment type is denominated in US Dollars.

Step 4: Search for Stellar Lumens

Look for the search box on the eToro dashboard and type ‘Stellar Lumens or ‘XLM’. When you see it appear, click it then select ‘Trade’ and eToro will then popup a list of relevant markets for trading.

Stellar Lumens eToro

Step 5: Buy XLM

eToro allows investors to purchase crypto with fiat currency, so you’ll need them set up first if this is your first time investing via their platform. Once that’s done use the slider and choose how much money would like to deposit into your eToro account. To confirm your investment – click on ‘Open Trade’.

XLM Buy eToro

How to Sell XLM

If you bought Stellar Lumens on eToro, then it will also be simple to sell back into cash at any time as the process is similar and supported by the platform.

There’s no need to pay high fees when you want to cash out of your tokens. All that’s required is heading over to the portfolio section and place an order. Alternatively you could open an account at a second exchange such as Binance, send your XLM to yourself on there, and sell them for Tether (USDT).

The advantage of selling into stablecoins like USDT, USDC or BUSD is that it locks in your profits – stablecoins are pegged to the value of the US dollar and don’t fluctuate like other cryptos – but your capital is still on the exchange ready to buy cryptos with if you wish.


XLM has stood the test of time in a sense as it first became popular in 2017 and unlike many altcoin projects, it has not been abandoned, ‘rug pulled’, or lost 95-99% of its value since its ATH. It has managed to become the #25 ranked token on the Coinmarketcap platform in terms of market capitalization, so has a strong presence in the crypto markets.

The FCA-regulated crypto platform eToro is a useful tool to not only buy Lumens with a low minimum deposit of $10 but it’s also a social trading platform where you can network with other investors and research the potential price movements of XLM, copy trading professional investors if you wish, or trading XLM yourself.

Cryptoassets are a highly volatile unregulated investment product.


Where to Buy Lumens?

Should I buy Lumen coins (XLM)?

Where is the best place to buy XLM?

Can you invest in Lumens with PayPal?

Is Lumens on eToro?

Is Lumens on Coinbase?

Is Lumens on Binance?