Stellar is a Layer 1 blockchain that uses the Stellar Consensus Protocol to deliver fast, low-cost transactions designed for cross-border payments and asset issuance. XLM is the native token used for fees and base reserves, with ledgers closing roughly every 5 seconds.
Straight into the app: Swap XLM · Buy XLM · Sell XLM · Get UCASH with XLM
Stellar Consensus Protocol. Settlement on U.CASH is non-custodial: every payment moves on-chain, direct to a wallet you control. Confirmation policy for Stellar: 1 ledger (fast), a few extra for high value.
A single U Account works across accept, swap, and buy. Pick where to start.
Take XLM in checkout alongside cards on 35 networks. White-label, non-custodial, live in minutes.
Trade XLM for any asset across the network, routed for the best price.
Get XLM with any asset you hold, one step, settled to your wallet.
Receive, hold, and settle XLM your way.
The original proof-of-work blockchain and largest cryptocurrency.
The leading smart-contract blockchain and home of ERC-20.
A fast, low-fee Bitcoin-family payments chain.
Fast, low-cost payment ledger for cross-border value.
Pure Proof-of-Stake Layer 1 with instant finality.
The largest US-dollar stablecoin, live on Ethereum, Tron, and BNB Chain.
Two things and you are ready. A wallet that can hold Stellar and a little XLM for gas on its chain, and the receiving address you want the output delivered to, which can be a raw address or a web3 name where the wallet resolves one. The preview shows the full picture before anything is signed: what leaves, what arrives, the fee, and the network cost. Nothing in the flow asks you to hand over keys; the wallet stays yours and signs only what you approved on screen.
Count the costs on one hand. On the platform side a flat 0.50% covers the swap, all-in, stated in the quote with no spread or routing cut behind the number. On the network side, gas in XLM, settling with about 5 sec blocks on Stellar Consensus Protocol, shown per leg before signature. Settlement runs on-chain to your chosen address at this asset's policy, 1 ledger (fast), a few extra for high value, and from confirmation onward the balance answers to your keys alone, spendable, sendable, and settled with no platform anywhere in the path.
Execution runs through an instant integration, which means the number you approved is the number that happens or the transaction reverts: swaps are atomic, with no half-settled state to unwind and no exposure window between legs. If a route cannot fill at your approved bounds it fails cleanly and you re-quote, which is the failure mode you want, cheap and loud rather than silent and expensive.
One account unlocks accept, swap, buy, and the rest of the U.CASH network across 35 networks.