Circle chose Stellar for USDC due to 3–5 second finality, fraction-of-cent fees, and architecture built for cross-border payments. Stellar runs on Stellar Consensus Protocol for fast deterministic settlement without mining or high energy use. As of mid-2026, $180.7 million USDC circulates on Stellar with 91.3 million transactions totaling $17.9 billion and median size of 1.57 USDC. CCTP activated May 19, 2026 enables burn-and-mint transfers to 23 chains in under 60 seconds with no wrapped tokens. Real-world adoption includes UNHCR aid, MoneyGram remittances, and payments in emerging markets.
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