XLM is the native token of the Stellar cryptocurrency network, which emerged in 2014 as a result of the split of the Ripple blockchain project. The virtual coin is considered a reliable, highly liquid digital asset. In 2018, the platform was recognized as the fastest growing. It found its distribution in the gambling sphere as well.
The cryptocurrency project has every reason for further development. In terms of demand in the gambling industry, Stellar is able to surpass the Ripple platform in the future and successfully compete with Bitcoin and Efirium.
Rating is compiled taking into account the known requirements, preferences, wishes of gamblers. It is designed to facilitate experienced players and beginners to find a reliable casino with a high level of service, fair conditions, attractive offers.
When compiling the list checked the legality of the online club, confirmed by the license of a reputable offshore regulator - the Gambling Control Commission of Great Britain, Malta or another. User experience was taken into account with the study of reviews on independent resources.
In the list of the best casinos with acceptance of bets in native tokens Lumens selected only sites that use the algorithm Provably Fair for self-checking gamblers honesty and fairness of the results of each individual round, the whole session.
Other important criteria, which were given increased attention:
The quality of technical support and its round-the-clock availability, user interface usability, availability of demo mode, other nuances affecting the gaming experience were analyzed.
The blockchain platform is a convenient real-time financial settlement system focused primarily on fast cross-border payments.
This has led to its popularity among international online casinos. After its launch, the network operated on Ripple for a while. In 2015, it switched to its own protocol solutions.
Native tokens first bore the same name. Later they were renamed to Lumens. The technical feature of the platform is the option of individual tokenization of any financial assets.
This means that each member of the Stellar community can independently digitize with the creation of their own Stablecoin various tangible assets:
The system gives equal rights to any assets created on its protocol. The blockchain network is a decentralized payment system beyond the control of government agencies and banking institutions. Technical and financial characteristics of XLM digital coins:
In May 2025, the number of active addresses increased by 5,000 per day, which indicates the rapid development of the Stellar system, widespread interest in the cryptocurrency network, popularity among ordinary users and commercial organizations.
It is characterized by multifunctionality, diverse spheres of application. A distributed public registry is an electronic ledger that records all transactions since the launch of the network.
The system is aimed at international financial transactions of individuals, commercial structures, corporate participants in the community. The blockchain is optimized for:
The open source code is hosted on Github, the largest web service for hosting and collaborating on IT projects. Stellar's blockchain is based on its own version of the Proof-of-Work consensus algorithm, which is considered the gold standard of the cryptocurrency industry.
The protocol, called SCP, provides high speed and optimal efficiency in reaching consensus with minimal participation of trusted validating nodes. The original conditionally federated blockchain model differentiates the Stellar network from traditional cryptocurrency systems.
Connected to the decentralized DEX exchange, which allows the exchange of fiat currencies or virtual valuables without paid intermediary services. Stellar automates finding the fastest and cheapest route for cross-border money transfers. Key features of blockchain:
The platform does not use the traditional for cryptocurrency systems pool of privileged participants. The Stellar.org project emphasizes its own social mission to democratize the digital asset market.
Financial transaction confirmation time is 3-5 seconds. The system performance is over 1000 TRS due to the energy efficiency of the consensus algorithm, optimized calculations.
The Stellar network does not require the participation of miners to confirm a money transfer. Instead, it uses a structure of trusted distributed nodes reaching consensus based on a so-called federated Byzantine agreement.
Ripple's motherboard, which performs about 1,500 computational operations per second, has a slight advantage. The smooth operation of Stellar's network with native XLM tokens, integrated digitized assets is supported by 130 nodes.
In independent testing on a powerful cloud service, the system managed to demonstrate peak transaction speeds of about 10,000 tx/s. Such a result is hardly achievable in a real-world environment.
There are 2 types of service fee - basic (mandatory) and resource fee. The total fee for fulfillment of a user's request is formed by summing them up. The minimum fee is 100 stroop, which is the smallest part of XLM.
The basic fee is applied to all transaction operations without exception in order to prevent spam attacks and maintain stable and uninterrupted functioning of the network infrastructure.
The resource fee is charged only on transactions based on smart contract technology. Its amount depends on:
Any fees are charged exclusively in native XLM tokens. For transactions without smart contract technology, the resource fee is zero. A transaction simulator built into the platform helps calculate the exact amount of the service fee.
To successfully fulfill a request, an account must have at least 1 XLM. During periods when the network is busy with user requests, the commission fee traditionally increases.
The online casinos accepting digital tokens provide the target audience with a comfortable environment, enhanced by blockchain technology. The development of cryptocurrency casinos boomed in 2017, when the Stellar electronic payment system was considered already stable.
The network's ability to connect different blockchain platforms is particularly useful for international gambling operators, as it expands the potential target audience ha players from countries with limited access to gambling and/or virtual finance transactions.
Stellar offers universal development kits for the JavaScript programming language used to create multimedia content and gaming software, which facilitates the implementation of XLM-based payment solutions in casinos. They are used for:
XLMs are easily convertible to other cryptocurrency or fiat money. Operating on the Stellar network and using native Lumens tokens, the online platforms offer an extensive collection of traditional and blockchain-based gambling games:
The XLM holders are offered exclusive bonuses, participation in closed tournaments, VIP status for making a deposit in digital tokens for a set amount or at regular intervals determined by the casino rules.
Fast transactions are combined with cost-efficiency thanks to extremely low fees. This allows players to allocate more financial resources directly to betting.
Among the other obvious advantages of native tokens XLM note:
Thanks to low fees, XLM digital tokens are convenient for micropayments, a large number of small bets. Like any cryptocurrency, XLM is subject to regulatory risks due to frequent changes in the legal framework and tax laws of different countries regarding the circulation of virtual money.
Depending on local economic conditions, financial regulations may cause difficulties in converting Lumens into national currency. The disadvantages include the irreversibility of transactions once they are finalized in the blockchain.
If a mistake or fraud is made, there is no refund possible. There is no central regulator to act as an arbiter in a dispute with online casinos. Cryptocurrency users are not covered by consumer protection in most countries.
The popularity of native XLM tokens is constantly growing. However, not all sites include virtual coins in the list of payment means. Stellar casinos have a relatively small share of the gambling market.
Institutional support is driving the increasing adoption rate. Ukraine's Ministry of Digital Transformation and the National Bank of Brazil are considering the possibility of using XLM as a means of settlement.
In these countries, there is traditionally a high interest in gambling, with a large number of licensed gambling operators. Trust in the platform increases the strategic partnership with:
The close cooperation with these and other fintech companies contributes to the growing adoption of XLM virtual coins in the gambling industry, making the cryptocurrency platform even more flexible and reliable.
Native tokens on the Stellar network are subject to dramatic exchange rate fluctuations. For gamblers, a sudden change in the price of XLM means a decrease in fiat deposits or an unexpected profit.
In its history, virtual coins have experienced periods of ups and downs in the market rate. The maximum price of cryptocurrency was fixed in 2018. This was followed by a gradual leveling off of the value.
The value of XLM increased by 129.5% between 2024 and 2025. This was followed by a 68% weekly rise followed by a precipitous 14% fall over the next 14 days. The volatility is driven by both internal platform technology factors and macroeconomic changes.
Volatility creates additional risks for gamblers, making it difficult to develop a long-term gaming strategy. To protect user deposits, responsible operators use conversion of XLM into stablecoins or fiat money, introduction of internal service chips, instant payments to wallet, other methods.
Based on combining the unique features of the consensus protocol with the technological robustness of the system and common user practices. Confirmation of transactions is accomplished using the quorum slice method.
The consensus option is considered resistant to hacker attacks, any other external threats due to the absence of a single point of failure. The system utilizes state-of-the-art multi-signature cryptographic encryption technologies.
Recommended measures to increase the security of your own digital assets:
In preparation for future challenges, the Stellar team is already developing the fundamentals of post-quantum cryptography. The openness of the source code allows the community to make rapid changes to strengthen the security of the platform.
Virtual coins are included in trading pairs of major cryptocurrency exchanges. You can get XLM by private peer-to-peer transfer from another user or by exchanging fiat money.
Trading, investing, selling goods and services for the corresponding cryptocurrency are suitable for earning additional coins. Periodically, tokens are given away for free to increase the popularity of the system.
The condition required for financial transactions in the system is aimed at protecting the platform from the creation of dummy accounts and spam attacks.
The main advantages of such sites are the range of crypto games, almost instant replenishment of accounts, and the use of blockchain capabilities for the development and implementation of gambling applications.
We recommend taking advantage of our ranking, compiled by industry experts with careful consideration of all the nuances.