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It allows users to interact with their oracles, which can be centrally curated or crowd-sourced. Harmony (ONE) is a decentralised oracle protocol that makes it possible to execute smart contracts on cloud infrastructure without involving any trusted parties. The Decentralised App Platform – Harmony (ONE) Analysts ponder what will happen to Stellar (XLM) now that there are over 25 billion units in circulation, we can only imagine that it makes its way to the top of the cryptocurrency market. Users will be able to access services directly through a peer-to-peer protocol while Stellar serves as an intermediary and facilitates payments. Lumens, on the other hand, serve as an intermediary currency allowing Stellar users to complete trades fast. On Stellar, the most common way to pay transaction fees is with lumens. Stellar (XLM), which is mostly used for smart contracts, offers the user the opportunity to send different currencies to other users via other currencies using Lumens. Its low volatility rate, high speed, interoperability with other blockchains, and its goal of serving as an international money transfer network have made it an attractive investment for institutions and investors alike. Stellar Lumens (XLM), the native cryptocurrency created by Stellar, is among the top 100 virtual currencies in total market value. Stellar (XLM) is a lucrative cryptocurrency that currently has a market cap of 7.5 billion dollars and occupies the 10th position in the coin market. To make it easier for buyers, financial institutions, and nonprofits to make the best out of the coin market, this article focuses on three of the best crypto projects: Stellar (XLM), Parody Coin (PARO ), and Harmony (ONE). As cryptocurrency starts to gain traction and become a viable option for trading, we are seeing a surge in offers from small NPOs (non-profit organisations) all over the world.