Dear steemian friends in this post i have also some question and discussion , i wana we should discuss on this topic. so we can get best result in this case. here are many expert who has big great experience, knowldege in crypto currency,, we need their help in this case.

• What is the advantage or use-case of Stellar Lumens?
  Actual low fee transactions (currently $0.0000023) with throughput around 1000 TPS with around 3 seconds confirmations. It's been like that since day one, ~3 years ago, so this isn't some pie in the sky or untested blockchain. It works and it's battle tested in the wild. And this isn't even accounting for it's upcoming scalability solutions that could allow for ~10,000 tps.

Stellars killer app is scalability + tokens. If you're having an ICO for a project or token that doesn't require a turing complete smartcontract system, which is 80% of ICOs IMO, then Stellar is at a huge advantage over Ethereum. For any simple token like utility tokens, asset backed tokens, stocks, ect. stellar is a clear choice. Not to mention being in the top 10 cryptos gives it the first mover advantage and a market share greater than any smaller coins capable of doing similar things.

• Is XLM overvalued with a 11,828.76 NVT ratio?
  I'm not sure how accurate those numbers are nor how much it really effects the value of the project. Doge for example has 1/4 the NVT ratio of bitcoin. But one thing I suspect is that those calculators online don't account for the value of tokens on the blockchain. Since fees are so low you need almost no XLM to use tokens.

But the big thing that people don't know yet is that DEX trading on stellar is exploding. Stellar has one of the best DEXs I've ever seen. Orders fill instantly, almost no fees, ect. It's a trading experience lightyears ahead that of etherdelta or idex. There's still some minor bugs but it's basically just all simple UI fixes.

Some nice Some highlights:

• Adoption of XLM has been growing rapidly in the last 6 months (Broke 500k accounts last week)

• The Stellar network has support for buying/selling many different fiat currencies inside it's wallet

• EUR/CNY/JPY achors running already in the Stellar wallet. Can buy and sell fiat -> Crypto directly in the wallet

• Has held it's satoshi value through the bear market very well. Useful for swing trading in/out of other coins

• Very cheap, very fast transactions

IBM runs quite a few of them. They have a much larger business with private blockchains on Hyperledger, and they will be able to offer integration with the Stellar network for all of their clients who need payment settlements. Their Global Payments Platform hasn't officially launched, so I can only speculate on the revenue model. Flat fees, percentages, I'm sure they get their take in addition to the consulting fees and cloud computing sales they're already generating.

Tempo is an anchor based in Europe that offers fiat->crypto and crypto->fiat services, as well as using Stellar behind the scenes for their fiat->fiat money transfer services. Their revenue is from transfer fees and foreign exchange rate markup.

There are a number of other companies on there, more anchors like Stronghold, micropayment processors like SatoshiPay, exchanges like StellarPort, the list will grow if the Stellar network grows.

P.S. Here's more technical details of what an anchor is https://www.stellar.org/developers/guides/anchor/

Stay safe, all the best to you all

@yousafharoonkhan