XLM Remittance Module
ISO ModuleXLM's designated role in ISO 20022 is as the preferred network for remittance flows to emerging markets, using SEP-31 anchors and stablecoins.
The Stellar network and XLM are optimized for the remittance use case: sending money to underbanked populations in emerging markets (Africa, Southeast Asia, Latin America) where correspondent banking is expensive, slow, and unreliable. SEP-31 anchors — licensed financial entities that bridge fiat to Stellar — enable corridor-specific compliance while using the Stellar network for settlement.
The Stellar Development Foundation has formal partnerships with MoneyGram, Flutterwave, and TEMPO (EU-licensed), providing live last-mile distribution for XLM/USDC remittance flows. The SDF is also an ISO 20022 member and has mapped Stellar transaction types to ISO 20022 data fields.
XLM's ISO 20022 module is remittance — specifically the $700B+ global remittance market where fees average 6% globally (World Bank benchmark), and where ISO 20022 structured data is now required by FATF Travel Rule compliance.
Crypto Relevance
XLM's remittance module is the most consumer-facing of the 8 ISO 20022 coin roles — it directly targets the $700B remittance market where high fees most visibly harm ordinary people.
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Join ISO 20022 investorsRelated Terms
SEP-31
SEP-31 is Stellar's cross-border payments API standard that defines how anchors send payments on behalf of customers using ISO 20022-compatible data structures.
FATF Travel Rule
The FATF Travel Rule requires that originator and beneficiary information must travel with crypto transfers above $1,000, structured in ISO 20022-compatible format.
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Last reviewed: 2026-05-17