Stellar (XLM) Wallet

Manage your XLM, Bitcoin, Ethereum, XRP and over 300 tokens in a single interface. For Bitcoin, Ethereum, and 300+ assets

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Manage your portfolio

Manage, Exchange and Buy all your favorite assets in one secure interface. Sort your portfolio by amount and value

Instant Exchange with Cashback
Swap 60+ crypto pairs anonymously and receive a cash back for exchange
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Buy Crypto
Buy Bitcoin, Litecoin, Ethereum, XRP, and BCH with your bank card. We accept USD, EUR, and your local currency worldwide
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Stake and earn
Get rewards on staking Tezos, ATOM, BAND, TRON and other coins with 5-23% APR.
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Your private keys are encrypted and never leave your device. You fully control your funds.


No accounts, no verification, no KYC for basic features in the wallet. No one can block your funds.

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Our Team


CEO, PhD in data science with 3 years solid experience in blockchain and cryptocurrencies, 10 years in IT. Konstantin is well-known as the co-founder and CEO of, biggest cryptocurrency instant exchange with over 2 millions active customers monthly and $0.5bln in monthly turnover. Konstantins interests are: decentralization, custody-free solutions, p2p exchangers.



Strategic Advisor and Visionary, is an American entrepreneur and bitcoin advocate. In 2011 he co-founded the now-defunct startup company BitInstant, and is a founding member of the Bitcoin Foundation, formerly serving as vice chairman. The Bitcoin Foundation is a nonprofit founded in 2012 with the mission to standardize, protect and promote the use of bitcoin cryptographic money.



Advisor. CEO who have invested over US$400m in FinTech companies, like BitFinex, Bitstamp, Kraken, BitPay, ShapeShift, Exodus and over 40 others. Simon's BnkToTheFuture has 300 professional FinTech investors who all believe the future of finance looks very different from today. Their experience and background covers most areas in finance, technology and startups.

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Stellar is both a payment network and a public ledger that strive to make financial transactions faster and more accessible for everyone. Stellar enables the users to exchange different assets in seconds.

The Stellar project started as a hardfork of the Ripple blockchain with the same code base. The main goal of Stellar is to help people from all over the world to simplify cross-border money transfers, decrease the fees and fight poverty.

What is a Stellar Wallet

If you decide to convert your savings into cryptocurrency (to be exchanged for electronic money) or to start earning cryptocurrency, you need to choose a reliable wallet for it. Stellar wallet is an application that allows you to manage your Stellar Private key and send or receive XLM. Such wallets exist in web/desktop, mobile, hardware, and paper versions. The most secure ones are hardware wallets; however, they may get fairly expensive and are not as convenient for everyday use (you have to carry the wallet with you to perform a transaction).

Basically, a wallet is the main user interface through which a person interacts with the cryptocurrency system. Stellar wallets allow both storage and management of one's assets: with this software, one can buy, send, receive, and exchange XLM. The Stellar wallet contains private keys and public addresses and gives you full access to your funds. If you want to learn more about cryptocurrency wallets, check this detailed guide. Atomic is a desktop and mobile wallet, available for all major OS: Windows, macOS, Linux, Android, and iOS.

Stellar Wallet Features

Now that you know what the main purpose of a Stellar wallet is, why not look at a specific example of a user-friendly multifunctional wallet!

There are plenty of wallets that allow you to keep and manage Stellar. The wider the choice, the harder it gets to find the wallet that would meet your needs. Atomic Wallet is here to spare you the need to wander around hundreds of websites in search of the best solution!

Atomic is a decentralized multi-currency wallet. It supports more than 300 cryptocurrencies, has a built-in Cryptocurrency Exchange, Staking, and Buy Crypto features, as well as 24/7 live support. It has become truly famous for its convenience, user-friendly interface, lack of operational costs, and security. The latter is ensured by the fact that your crypto is entirely under your control, as your private key is stored only on your device (and not on some online server); this offers full control over your assets. We provide you with the options to manage, exchange, and buy XLM with a bank card.

The primary purpose of Atomic Wallet is not just to store cryptocurrency but to create a healthy multifunctional ecosystem that, in many ways, resembles a decentralized exchange. Atomic Wallet has an internal token - AWC (short for Atomic Wallet Token), which has many use cases in the ecosystem, such as dividends for holders and the cashback program. Furthermore, it also serves as a marketing tool for bounty and airdrop campaigns.

A significant advantage of decentralized wallets, in general, is the opportunity to manage cryptocurrency from any device. Still, you need to pay attention to how you store the backup phrase since that is the primary access to your funds. With Atomic, your Stellar wallet is protected as long as you keep your seed, or private key, in a safe and secure place.

Stellar transaction fees

It is important to understand that Atomic Wallet does not incur any fees for sending/receiving XLM; the only fee you're paying is the internal network fee set within the blockchain itself. This is to ensure that your transaction is added to the blockchain in a fast and secure way.

Just like Bitcoin and Ethereum, Stellar transactions involve fees, albeit the way they are determined and used is different. For each operation in the Stellar network, there is a base fee, which is a standard set within the network itself. This fee serves to ensure that malicious actors cannot spam the network and provoke a denial of service (DoS) attack. Furthermore, for the same reason, new users need to pay 1 XLM to register an address in the Stellar ledger.

Currently, the base fee per operation is set to 0.00001 XLM. The fee increases with the number of operations your transaction includes. For instance, if all you’re doing is sending XLM from one address to another, your fee will be 0.00001 XLM. However, if your transaction is more complex, e.g. an exchange between currencies, then the fee higher would get higher.

Stellar does not utilize mining to add transactions to the global ledger; instead, the transaction fees are pooled and consequently redistributed in the form of inflation. According to Stellar's protocol, new XLM are added to the network at a rate of 1% each year via a built-in inflation mechanism. Each week, the inflation funds are sent to an address chosen by the network to receive it.

How to Use a Stellar Wallet?

In order to enjoy the functionality of Atomic Wallet, one first needs to go through a simple process of creating a wallet. Download the installation file for your operating system from the official website and install the app. Run Atomic, click "CREATE WALLET," enter a secure password, and click SET PASSWORD. You will now see a 12-word seed phrase that can be used to restore access to the wallet. Be sure to keep in a safe and secret place! Then click "START USING ATOMIC."

You will then be taken to the wallet interface. In the first tab "WALLET," you will see the balance of all available coins and generated wallet addresses of different currencies. If you wish, you can sort the assets by volume, or hide negative balances. A remarkable feature of Atomic is the possibility to add any custom ERC20 (Ethereum-based) tokens to the wallet.

The "EXCHANGE" tab provides an opportunity to exchange tokens through partner exchanges - ChangeNOW, Changelly, and ShapeShift.

The "SETTINGS" tab allows you to change your password, get private keys that are securely stored in the encrypted form, as well as import an external wallet into Atomic Swaps Wallet (for this, you must enter a private key).

How did Stellar launch?

Stellar, just as Ripple, was founded by Jed McCaleb, who was also the driving force at MtGox and eDonkey. Launched in 2014, Stellar quickly gained success, together with the growing community and investors. Initially, Stellar had the same code base as Ripple. In late 2015, however, the project presented its own code base and a dedicated consensus algorithm called SCP (Stellar Consensus Algorithm). Overall, while both Stellar and Ripple are open-source projects and payment systems, their philosophies are fairly different.

Stellar is a payment protocol with its own native asset called Lumen (XLM). Lumens are utilized for in-platform transactions. The Stellar ledger is a history of transactions that is placed into blocks. Every transaction is verified by validators (or so-called nodes). That said, Stellar is pretty simple to use, so customers don’t need to be tech-savvy to work with the currency.

How does Stellar work?

Stellar is based on a public ledger. Unlike Bitcoin-based cryptocurrencies, Stellar doesn’t rely on miners to create blocks and confirm transactions. Instead, there is a dedicated Stellar Consensus Protocol (SCP) which relies on Nodes (a.k.a. validators). Nodes are the agents that verify transactions and hold a full history of the blockchain. Thanks to the Federated Byzantine Agreement (FBA) algorithm it utilizes, Stellar can sustain over 1000 transactions per second.

All of the network's servers come to an agreement by which a set of transactions is to apply to the current ledger in a process called “consensus”. The consensus process happens at a regular interval, typically every 2 to 4 seconds. This keeps each server’s copy of the ledger synchronized.

Stellar Economy

The total supply of XLM is 100 billion lumens, out of which:

  • 50% are given away to individual users who join the network;
  • 25% given away to partners (i.e. businesses, governments, institutions, or nonprofit organizations that contribute to the growth and adoption of the Stellar ecosystem);
  • 20% given away to BTC and XRP holders;
  • 5% are reserved for operational expenses.


Stellar (XLM) is supported by multiple wallet providers, including Atomic Wallet. In Atomic, you can manage and exchange XLM, buy XLM with your bank card, and swap XLM with Atomic Swaps - everything you need in one wallet application. Atomic Wallet empowers you with full control over your funds since your Private Keys are protected with a mnemonic seed and never leave your device. Atomic Wallet provides you with one of the best options to store, send, exchange, and buy XLM. Install the app now and manage your XLM right in the Atomic Interface.

Read the full complete guide here.

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