Stellar is a blockchain platform, a decentralized protocol that allows cross-border payments where the sender and the receiver are located in different countries, making financial access for the users easy. Transactions on Stellar are cost-effective with fees around 0.00001 XLM. Flow uses a multi-node architecture where different types of nodes handle different tasks. Stellar was created by Jed McCaleb and Joyce Kim on July 31, 2014, located in San Francisco, California, United States. It utilizes the Stellar Consensus protocol for exchanging money and tokens. As per the latest updates, Stellar has raised a total of $100M across two funds announced on Oct 12, 2022.