Stellar Lumens (XLM) is a Silicon Valley-based nonprofit organisation that supports the Stellar network, a free, open-source network that connects diverse financial systems and lets anyone build low-cost financial services – payments, savings, loans, insurance – for their community. The Stellar network enables money to move directly between people, companies, and financial institutions as easily as email. This interconnectivity means more access for individuals, lower costs for banks, and more revenue for businesses.
Learn more about Stellar Lumens here.
A breakdown of Stellar transaction rules can be found here: 'XLM Deposits & Withdrawals'