The Stellar XLM Anchor Directory: TradFi Meets Eco-Friendly Crypto AllinCrypto June 7, 2025
In a world where global payments are often delayed by high fees and slow systems, Stellar Lumens (XLM) provides a low cost and energy-efficient system that connects traditional banking to the blockchain through its anchor network.
Let’s take a look at how Stellar Lumens Anchors work and what they’re best used for in decentralized finance.
What Are Anchors?
In 2016, the term anchor was born and replaced the loaded term of “gateway”. The basic functionality that’s required to facilitate end-to-end cross-border payments for anchors is standardized. Unlike gateways, which have rigid control, anchors are flexible and interoperable.
They facilitate banks, money transfers, or crypto exchanges to facilitate the flow of fiat and digital assets. Anchors perform three core functions: Fiat On/Off-Ramps, Asset Issuance, and Cross-Border Transfers.
In 2025, Stellar’s Anchors have evolved, supporting over 20 digital assets and allowing transactions in over 180 countries. Partnerships include Moneygram and Flutterwave.
Anchors Environmental Edge
Stellar uses the Stellar Consensus Protocol (SCP). SCP uses 1 million times less energy per transaction than Bitcoin. Stellar’s SCP already sets a high bar for sustainability, consuming approximately 0.00048 Wh per transaction compared to Bitcoin’s 1,700 kWh.
Anchors amplify this environmental efficiency by streamlining transactions, providing liquidity pools, integration with sustainable partners, and support for green financial products.
By consolidating fiat-to-crypto conversions into a single on-chain transaction, anchors reduce the overall computational load, further lowering energy consumption.
Partnerships & Initiatives Helping Stellar Lead the Environmental Edge
Listed below are a few partnerships and initiatives currently active on Stellar, with more projects on their roadmap to come.
| Initiative/Project | Type | Details | Environmental Impact |
| Poseidon | Project on Stellar | Aims to reduce environmental footprint via carbon credit tokenization | Supports green finance, though not a partnership (no update since 2018) |
| IBM Partnership | Indirect Benefit | Cross-border payments in South Pacific, low-energy transactions | Cross-border payments in the South Pacific, low-energy transactions |
| Visa Partnership | Indirect Benefit | Digital assets in emerging markets, efficient transactions | Lowers energy use compared to traditional systems |
| Stellar Community Fund | Ecosystem Support | Reduces the environmental impact of banking | Could support eco-friendly projects |
Green Pastures Ahead
Stellar’s anchor network isn’t simply a means to send money internationally – it is a bridge across traditional finance and new eco-friendly blockchain technology.
Stellar combines global bank access with fast, affordable, and low energy-consuming technologies, Stellar proves that innovative advancement can happen without negatively impacting the planet.
As more and more partners leverage the anchor and contribute to green solutions, Stellar continues to pursue its goal of making finance fairer, faster, and more sustainable for all.
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