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Stellar Review 2019: XLM Really Worth It?Member's Mark coffees are very well-rated, averaging about out of 5 stars from thousands of reviewers. It's also very well priced, with. Its decentralization: as with other cryptocurrencies, Stellar was designed to be a decentralized payment platform. Rightly so, users can send and receive. Many cryptos offer fast and inexpensive transactions, but Stellar stands out for its ability to work with any form of currency.