I met Stellar through a Bootcamp I attended called Women in DeFi, where I got to know for the first time the Stellar ecosystem, its work, its projects and the opportunities it offers to the community.

Today I want to tell you a little bit about what Stellar is doing in web3. As you may already know, one of the main characteristics of this ecosystem is decentralization, that is, users' control over their data and the elimination of intermediaries in general.

In this context, Stellar is becoming one of the most significant platforms in this area because of its capacity to provide quick, easy-to-access, and effective solutions—in this example, in the financial sector.

I will now frame the main benefits they bring to their users:

1. Efficient Decentralization

   Stellar has managed to validate transactions without the need for intermediaries such as banks by using a network of nodes dispersed around the world. This reduces costs and allows transactions to be done in seconds. The open source policy they have, making it possible for anyone to see what is happening with their transaction and encouraging developers around the world to improve and extend their platform, is a great example of the potential of Web3, a system in which several parties set the rules instead of just one.

2. Interoperability in Web3

   The fact that Stellar can interact with a wide variety of currencies - both digital and traditional - is one of its most notable features. Stellar facilitates transactions between the fiat and cryptocurrency worlds, because you can easily exchange them. Widespread adoption of Web3 also depends on interoperability, and Stellar is essential to having seamless interaction between users across many networks. Another example of how it is helping to bridge the gap between the established financial sector and the blockchain ecosystem with its ability to tokenize assets and transfer them easily between other platforms.

3. Global Financial Inclusion

   Giving financial access to millions of people who do not have access to traditional banking institutions is one of Stellar's most important goals. The costs of banking are high for most people in many parts of the world. But they want to change that scenario by empowering people in emerging economies, i.e. financial inclusion to close the gap between those who have access to the digital economy and those who do not.

4. Low Costs and Accessibility

   Stellar has very cheap prices compared to other blockchain networks and it is also super accessible, allowing anyone, anywhere in the world and at any time, to use it for small or large transactions.

   PRACTICAL EXAMPLES

Now I leave you with some practical examples of Stellar that will really blow your mind and also make you rethink in which areas and situations you could apply them.

Example 1: International Transfers in Seconds

Suppose you have a job abroad and want to send money to your family. For that, you may have to pay additional large sums of money and wait days for traditional procedures to be executed. However, Stellar makes this process much more accessible and faster. For example, the IBM World Wire platform connects banks around the world using Stellar to enable fast and inexpensive international transactions.

Example 2: Asset Tokenization

Companies can also tokenize physical assets with Stellar. For example, DSTOQ uses Stellar to make it possible for people around the world to invest in fractions of stocks, bonds and other financial assets, a feature that was previously not exclusive to everyone, let alone if you didn't have the minimum amount to invest. As a result, investments are now more accessible and there are more opportunities for emerging economies.

This will be another topic I will touch on later and where I will show you the creation of my own token.

*WHY THIS MATTERS?

The way that Stellar is transforming Web3 affects not just people and companies but also the world economy and financial inclusion in general. It is expected that millions of people who were not previously able to access the banking system will be able to engage in the digital economy as access to financial services becomes more widespread.

*FAQ

• What is Stellar?

Stellar is an open-source technology that makes transferring money and assets quick and affordable. Its primary goal is to advance global financial inclusion.

• How does Stellar work?

Stellar validates transactions without the help of middlemen by using a distributed network of nodes. This makes it possible to complete transactions inexpensively and nearly instantly.

• What is Web3?

Web3 which emphasizes decentralization and user control over personal data, is the next generation of the Internet. It aims to do away with middlemen in a number of sectors, including finance.

• What are the benefits of using Stellar?

Low transaction costs, quick transfers, and asset tokenization—which makes financial services more accessible to those without bank accounts—are a few advantages.

CONCLUSION

Stellar is changing the way we engage with international finance, as well as contributing to the development of Web3. Its emphasis on financial inclusion, decentralization and interoperability helps make the ecosystem more equitable and accessible to all.

Now is the ideal time to discover what this revolutionary platform has to offer, if you are interested in learning more about decentralized finance I invite you to follow Stellar's official website and also enter the world of web3 through X, as it is a platform that has a lot of content about it.

BIBLIOGRAPHY

Below I leave you more information about what we saw in this article:

• Articles on financial inclusion and blockchain.

• D. Chuen, D. (2015). Handbook of Blockchain, Digital Finance, and Inclusion. Academic Press.

• B. Catalini, C. G. (2020). The Economics of Blockchain. Journal of Economic Perspectives.

• Stellar Impact Reports.

• “Tokenization on Stellar” (articles on Medium or specialized fintech blogs discussing how companies are using Stellar to tokenize assets).

• Research on decentralization and efficiency in blockchain.

• Tapscott, D., & Tapscott, A. (2016). Blockchain Revolution: How the Technology Behind Bitcoin Is Changing Money, Business, and the World. Penguin.

I met Stellar through a Bootcamp I attended called Women in DeFi, where I got to know for the first time the Stellar ecosystem, its work, its projects and the opportunities it offers to the community.

Today I want to tell you a little bit about what Stellar is doing in web3. As you may already know, one of the main characteristics of this ecosystem is decentralization, that is, users' control over their data and the elimination of intermediaries in general.

In this context, Stellar is becoming one of the most significant platforms in this area because of its capacity to provide quick, easy-to-access, and effective solutions—in this example, in the financial sector.

I will now frame the main benefits they bring to their users:

1. Efficient Decentralization

   Stellar has managed to validate transactions without the need for intermediaries such as banks by using a network of nodes dispersed around the world. This reduces costs and allows transactions to be done in seconds. The open source policy they have, making it possible for anyone to see what is happening with their transaction and encouraging developers around the world to improve and extend their platform, is a great example of the potential of Web3, a system in which several parties set the rules instead of just one.

2. Interoperability in Web3

   The fact that Stellar can interact with a wide variety of currencies - both digital and traditional - is one of its most notable features. Stellar facilitates transactions between the fiat and cryptocurrency worlds, because you can easily exchange them. Widespread adoption of Web3 also depends on interoperability, and Stellar is essential to having seamless interaction between users across many networks. Another example of how it is helping to bridge the gap between the established financial sector and the blockchain ecosystem with its ability to tokenize assets and transfer them easily between other platforms.

3. Global Financial Inclusion

   Giving financial access to millions of people who do not have access to traditional banking institutions is one of Stellar's most important goals. The costs of banking are high for most people in many parts of the world. But they want to change that scenario by empowering people in emerging economies, i.e. financial inclusion to close the gap between those who have access to the digital economy and those who do not.

4. Low Costs and Accessibility

   Stellar has very cheap prices compared to other blockchain networks and it is also super accessible, allowing anyone, anywhere in the world and at any time, to use it for small or large transactions.

   PRACTICAL EXAMPLES

Now I leave you with some practical examples of Stellar that will really blow your mind and also make you rethink in which areas and situations you could apply them.

Example 1: International Transfers in Seconds

Suppose you have a job abroad and want to send money to your family. For that, you may have to pay additional large sums of money and wait days for traditional procedures to be executed. However, Stellar makes this process much more accessible and faster. For example, the IBM World Wire platform connects banks around the world using Stellar to enable fast and inexpensive international transactions.

Example 2: Asset Tokenization

Companies can also tokenize physical assets with Stellar. For example, DSTOQ uses Stellar to make it possible for people around the world to invest in fractions of stocks, bonds and other financial assets, a feature that was previously not exclusive to everyone, let alone if you didn't have the minimum amount to invest. As a result, investments are now more accessible and there are more opportunities for emerging economies.

This will be another topic I will touch on later and where I will show you the creation of my own token.

*WHY THIS MATTERS?

The way that Stellar is transforming Web3 affects not just people and companies but also the world economy and financial inclusion in general. It is expected that millions of people who were not previously able to access the banking system will be able to engage in the digital economy as access to financial services becomes more widespread.

*FAQ

• What is Stellar?

Stellar is an open-source technology that makes transferring money and assets quick and affordable. Its primary goal is to advance global financial inclusion.

• How does Stellar work?

Stellar validates transactions without the help of middlemen by using a distributed network of nodes. This makes it possible to complete transactions inexpensively and nearly instantly.

• What is Web3?

Web3 which emphasizes decentralization and user control over personal data, is the next generation of the Internet. It aims to do away with middlemen in a number of sectors, including finance.

• What are the benefits of using Stellar?

Low transaction costs, quick transfers, and asset tokenization—which makes financial services more accessible to those without bank accounts—are a few advantages.

CONCLUSION

Stellar is changing the way we engage with international finance, as well as contributing to the development of Web3. Its emphasis on financial inclusion, decentralization and interoperability helps make the ecosystem more equitable and accessible to all.

Now is the ideal time to discover what this revolutionary platform has to offer, if you are interested in learning more about decentralized finance I invite you to follow Stellar's official website and also enter the world of web3 through X, as it is a platform that has a lot of content about it.

BIBLIOGRAPHY

Below I leave you more information about what we saw in this article:

• Articles on financial inclusion and blockchain.

• D. Chuen, D. (2015). Handbook of Blockchain, Digital Finance, and Inclusion. Academic Press.

• B. Catalini, C. G. (2020). The Economics of Blockchain. Journal of Economic Perspectives.

• Stellar Impact Reports.

• “Tokenization on Stellar” (articles on Medium or specialized fintech blogs discussing how companies are using Stellar to tokenize assets).

• Research on decentralization and efficiency in blockchain.

• Tapscott, D., & Tapscott, A. (2016). Blockchain Revolution: How the Technology Behind Bitcoin Is Changing Money, Business, and the World. Penguin.