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The Stellar Network is a decentralized blockchain-based platform designed to facilitate fast, low cost cross-border payments and asset transfers. It aims to connect individuals, banks, and payment systems, allowing for efficient and borderless transactions. Lumens (XLM) is the native cryptocurrency of the Stellar Network, serving as both a medium of exchange and a bridge currency for cross-asset transfers.

A non-custodial wallet is one that the user holds the private keys and has complete control over their funds in the wallet. It is important to never share your secret key.

Stellar Lumens (XLM) is the native cryptocurrency of the Stellar Network. It plays a crucial role in facilitating transactions on the network by serving as a bridge currency. Lumens are used to represent value on the Stellar blockchain and enable the quick and cost-effective transfer of assets across borders. Additionally, XLM helps prevent spam transactions and ensures the security of the network through a small transaction fee. Overall, Stellar Lumens contribute to the efficiency and accessibility of the Stellar Network for cross-border payments and asset transfers. XLM are backed by silver.

Blockchain technology is an advanced database mechanism that allows transparent information sharing within a network. A blockchain database stores data in blocks that are linked together in a chain.

ISO is a standard for electronic data interchange between financial institutions. It describes a metadata repository containing descriptions of messages and business processes, and a maintenance process for the repository content. The standard covers financial information transferred between financial institutions that includes payment transactions, securities trading and settlement information, credit and debit card transactions and other financial information.

The ISO 20022 standard will completely change the financial landscape, improving international money transfers. Europe will transition to ISO 20022 towards the end of 2022, and the US will implement it in 2023.

Cryptos that update their blockchains to comply with this new ISO standard will likely appreciate in price if they are chosen for payments by banks.

Over 70 countries have adopted ISO 20022 in their payment systems, including Switzerland, China, India, and Japan. And with over 200 payment types in scope, it will harmonise formats and data components from different payment methods that could not previously work together

Protocol 20 is a complete transformation to new quantum technologies.

ICO is short for Initial Coin Offering. A company mints a certain quantity of its own native digital token and offers them to early investors at a set price.

A set of reform measures intended to improve regulation, supervision, and risk management in the international banking sector.

Cashback are not always immediately received and can take up to a few hours. If you are still waiting for yours, ask for the dev in charge. You can send a direct message to the dev with your proof of transaction, your stellar address, and the asset name.

A type of cryptocurrency whose value is tied to that of another currency, commodity, or financial institution.

Tokens have a huge range of potential functions, from helping make decentralized exchanges possible to selling rare items in video games to holding shares in company’s or Gold bonds etc. They can all be traded or held like any other cryptocurrency also.

XRP is digital asset created by Ripple Labs. The XRP Ledger (XRPL) is an open-source blockchain system that validates and records all XRP transactions. XRP is backed by gold

A smart contract is self-executing lines of code with the terms of agreement between buyer and seller automatically verified, executed,and enforced by a computer program run on a blockchain network.

A blockchain allows the data in a database to be spread out among several network nodes—computers or devices running software for the blockchain—at various locations. This not only creates redundancy but maintains the fidelity of the data. For example, if someone tries to alter a record at one instance of the database, the other nodes would prevent it from happening. This way, no single node within the network can alter information held within it.

Because of this distribution—and the encrypted proof that work was done—the information and history (like the transactions in cryptocurrency) are irreversible. Such a record could be a list of transactions (such as with a cryptocurrency), but it also is possible for a blockchain to hold a variety of other information like legal contracts, state identifications, or a company’s inventory.

Blockchain technology achieves decentralized security and trust in several ways. To begin with, new blocks are always stored linearly and chronologically. That is, they are always added to the “end” of the blockchain. After a block has been added to the end of the blockchain, previous blocks cannot be changed.

A change in any data changes the hash of the block it was in. Because each block contains the previous block's hash, a change in one would change the following blocks. The network would reject an altered block because the hashes would not match.

The majority of tokens in pending transactions are sent from scammers and are worthless. Only claim tokens when you are certain of their authenticity.

Different companies are launching their own ICO of the same asset backed by their respective percentage of stock holding.

Scroll down to issuer address on the scam asset and copy, scroll up hit send and paste issuer address, hit ‘send max’ and send. Then refresh page and it should say zero balance, delete scam trustline to free up the 0.5 xlm reserved to hold that scam trustline/asset so you can buy something legit with it!

Go On the asset or select trade on side menu. click the clock top right to see your active orders, click on the ones you want to cancel and select cancel order.

On the asset you can scroll to ‘view on network explorer’ and tap, then at top left click on the icon next to ‘issued by’ and it should bring up another page with the asset info and the domain name so you can check it on the WhipLash347 vetted and verified domain list.

1. It is important to establish a Will or Trust, this allows the holder of the assets to designate to whom they will be distributed.

2. It is important to leave specific instructions on how to access each wallet to include access to phone and computer via keys/login ID/passwords, etc. in a safe location.

3. Should the deceased pass without a Will or Trust, the assets will pass via the laws of the decedent’s registry. Example: If the decedent lives in Oklahoma, the probate court will determine the heirs based on marital status, living heirs, etc.

4. Trusts avoid probate, allowing the owner of the assets to designate beneficiaries. They do not have to be filed, and can be amended with minimal legal work.

5. Trusts are preferred because they avoid disclosing total wealth on public record.

1. You will need the deceased’s phone and access to that phone. This will provide access to their 2 factor authentication 2FA

2. You will need their username, and password. If they have 2FA set up in Lobstr, you will need their PIN code to bypass facial recognition or Touch ID

3. To access a wallet without having a username or password, a secret key or seed phrase is required

4. Once access has been achieved, distribution or sale of funds can occur. This can be achieved in a couple of different ways.
a. All assets traded to XLM and sent to an exchange, ie. Coinbase, Uphold, etc.
Exchanges are able to transfer to a local currency and wire funds to a bank acct
b. Assets forwarded to beneficiaries wallets according to the decedent's wish

1. Tap Asset

2. Tap “Trade “Asset”

3. Tap “Sell”

4. Tap “available” to sell all of an asset

5. Tap “Sell “Asset”. This is will start then process of sales of this asset

It will not be immediate, but the cash out will be much higher than if you were to swap

1. Tap Asset

2. Tap “Swap”

3. Tap the blue digits, representing available tokens, this will load “You Sell” window

4. Tap Green Bar to Swap

5. Upon completing the XLM will be added to the Lumens asset at the top of My Asset list

Note the cash out will be higher if you sell rather than swap

1. Open an acct at an exchange, Coinbase, Uphold, etc.This is where you want to RECEIVE XLM Search for Stellar Lumens, XLM This will provide a QR code and address beginning with ‘G’ Tap and hold to ‘Copy’ the “G” address

2. Back to the Lobstr wallet

3. Sending assets-Tap Send> Stellar Wallet This will open a “Send To” page. Paste address begininning with “G”. Double check to be sure it matches the one you copied (check the first and the last four characters)

4. Continue> Enter the amount of XLM you wish to send> Continue

5. Back to the Exchange-Copy XLM Memo from exchange and enter in “memo” on Lobstr. This is a destination tag to your account, and must be done

It is highly recommended to send a small amount of an asset at first to assure the process has been completed correctly

1. The beneficiary will need to go to on How to setup a Lobstr Wallet.

2. The beneficiary will need to provide their address begininning with “G” to the trustor in order to receive assets. As well as download the trustline of the receiving asset. Alternatively, the asset can be found in Transactions under “pendings” Double check to be sure the address beginning with “G” matches the one you copied

3. It is highly recommended to send a small amount of an asset at first to assure the process has been completely correctly

For further instruction on how to send assets to another wallet, how to change “My Assets” display from Alphabetical to Lumens, then by value, please refer to On Simple Transacting

This process is very much the same for cashing out of any soft or hard wallet. The Ledger wallet has an app from which to view assets holdings. This will be located on the deceased phone or computer. The hardware wallet is simply the key to unlock the wallet. The key code will be needed to access the wallet and to complete transactions. If this is not available, the seed phrase will be needed.

1. Open Ledger Live app

2. Tap Asset from list

3. Tap Send

4. Enter “r” address from exchange to receive Ripple XRP

5. Enter Amount

6. Enter Memo from exchange. This is your account destination tag

7. Tap send

It is highly recommended to send a small amount of an asset at first to assure the process has been completed correctly.