Since Stellar provides a decentralized international payment network, enabling fast transactions with low fees, the interest in how to buy Stellar Lumens coins is increasing among crypto investors.

In this guide, we cover how and 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, follow the steps below and invest in Stellar Lumens on eToro.

  • Step 1: Open an eToro Account – Go to the sign-up page, provide your personal information as asked, and verify your account by uploading the necessary documents.
  • Step 2: Deposit Funds – US and UK traders can open their accounts with just $10. Choose from debit, 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, starting from $10. Click ‘Open Trade’ and confirm your order.

Where to Buy Lumens Coin – Cheapest Way to Buy XLM

There are dozens of options for this cryptocurrency, and the best place to invest in Stellar Lumens is through one of the cryptocurrency platforms we 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 buy XLM by paying a commission based on the difference between buying and selling prices when the order is executed.

They also offer discounts for high-volume traders as well. If you buy Bitcoin, it has a 0.75% commission.

In addition, clients living outside America will not pay any exchange fees when funding their accounts via USD transfers or credit card purchases. 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 70 digital assets for traders to choose from.  If you’re interested in diversifying your portfolio and aren’t sure how much XLM to buy or what a good price to buy XLM at, eToro has Smart Portfolios, such as its CryptoPortfolio, allowing you to invest in more than a dozen of the best altcoins and tokens with one investment strategy.

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 allows customers to invest in crypto assets. It is the best place to buy Stellar Lumens due to its simple, 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, depositing, etc. Once all these steps are completed, you can purchase XLM tokens using their debit cards, too. accepts both Visa and MasterCard accepted payments to buy Lumens.

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

It offers all its users a 30-day trial period (no transaction charges are levied during this period).

Mobile users can easily access Crypto Wallets for 250+ cryptocurrencies and purchase NFTs with ETH through’s NFT marketplace.

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 allows buyers and sellers from all over the world, Coinbase is a good option.

It is one of America’s best cryptocurrency exchanges, with over 100 million clients on its books. Although customer support can be slow, it 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.

To invest in Lumens coin at Coinbase, you must first register and open an account. You can buy XLM with credit card (Visa or MasterCard) with a fee 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 besides XLM since it offers a wide range of assets and has a crypto wallet that doubles as an NFT wallet.

Cryptoassets are a highly volatile unregulated investment product.

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

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

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

Read our Binance vs Coinbase comparison to find out more.

Binance charges 3.5% for deposits when using debit or credit cards and $15 for bank wire transfers, while ACH deposits are free. The withdrawing fees on Binance vary according to the withdrawal method and crypto.

Binance operates in the US by partnering with Binance.US. The website provides access to 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 to increase financial inclusion. It quickly altered its focus to assist banks in connecting using blockchain technology. Decentralization is the key to understanding blockchain technology, and Stellar Lumens centers its use case around being decentralized, like many cryptocurrencies.

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

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 and 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. In fact, it works similarly to PayPal; 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 have high returns and are gaining popularity. Bitcoin and Ethereum are stabilizing and increasing, leading many to invest in altcoins for greater profit potential.

Investing in cryptocurrencies is risky, and only a few coins succeed long-term. To make a wise investment, research is vital to identify valuable coins with strong use cases. Stellar (XLM) is a promising investment option its use cases and features are considered.

Cheaper and Faster Transaction Method

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

This makes it possible that this 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 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 can access more currencies because there are no fees when exchanging 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, making 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. A lot is going on with this cryptocurrency you may not know about yet.

For one thing, an experiment is 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

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

Stellar Lumens Price Chart

Looking at the price chart of the Stellar Lumens coin, we can see that the coin was officially launched for $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 fluctuated between $3.5-$4. 

XLM stellar price chart all time

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

The XLM price today is currently around $0.124. It has increased significantly since opening in 2023 with a price of $0.071.

XLM Price Prediction

XLM’s value increased by 50% 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 quite optimistic. However, whether the coin will increase 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 will likely follow, considering its recovery by 50%. 

Apart from that, XML is one of the most valued crypto projects, and it is currently the 25th largest crypto with a market cap of $2,809,377,929. Other factors influencing 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. 

Some 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 2029. Digital coin price projections show that Stellar will be traded at $0.22 this year and above $1 in 2030. In turn, Wallet Investor predicts that the XML price can drop from $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:

1. Buy Lumens With a Credit Card or Debit Card

You can invest in Lumens with a credit or debit card through eToro. The investment process occurs immediately after you open your account and 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 reflected when you checkout, and permits debit cards at 2.99%. eToro offers USD-backed deposits with no fees whatsoever.

2. 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.

3. 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. KYC would be necessary for the larger regulated exchanges, although with that comes greater security when holding onto your crypto coins long-term.

4. 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. The top crypto wallets give you full control over your tokens, and you can use them as you see fit, with no one else being aware of them.

The eToro Money wallet is suitable as it has a user-friendly interface and a smartphone app. The eToro wallet has been built with inexperienced crypto investors in mind. If 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 of around $0.90 in January 2018, around the time of the Bitcoin crash from $20k. Some might argue that it hasn’t retested that ATH in over four years and 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 can 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 cannot be mined 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 trade outside of countries where cryptocurrency trade has not 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

Bitcoin’s value is derived from its limited supply of only 21 million coins, which sets it apart from most other coins that can be created in unlimited amounts by miners or governments without any intrinsic value.

Bitcoins have a finite amount – making this currency scarce. Stellar Lumens, on the other hand, has a total supply of 50 billion and currently, over 28 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 start investing in Lumens.

etoro review

Your 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 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 various 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 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, 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 your tokens. All that’s required is to head 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.


In this guide, we’ve outlined the steps on how to buy Stellar Lumens coins and recommended the best platforms for it.

By highlighting the coin’s potential and risks, along with factors to consider before investing, we hope to have provided valuable insights.

Cryptoassets are a highly volatile unregulated investment product.


Will Stellar Lumens reach $1?

Should I buy Lumen coins (XLM)?

Where is the best place to buy XLM?

Can you invest in Lumens with PayPal?