Stellar is a cryptocurrency that settles financial transactions through a peer-to-peer network. Using its lumens token, it aims to compete with other rapid settlement infrastructure platforms such as Ripple. Cryptocurrency’s original aim was to disrupt the existing financial infrastructure. Using Stellar XLM Lumens, financial transactions are settled fast through a peer-to-peer network. This Ripple hard fork stands on its own with enterprise partners like IBM, making Stellar a blockchain to watch.