XLM Remittance Module
ISO ModuleXLM's role in ISO 20022 coin lists is remittances and stablecoin rails, using anchors and Stellar's SEP standards, with no formal ISO 20022 standing.
The Stellar network and XLM are built for moving money between currencies, with remittances and financial inclusion as core use cases, the corridors where correspondent banking is expensive and slow. Anchors, licensed entities that bridge fiat to Stellar, provide the on- and off-ramps, and the Stellar Development Foundation cites cash-to-crypto ramps in 100+ countries and territories.
Stellar is frequently described as an ISO 20022 standards-body member, but it does not appear on ISO's Registration Management Group member list (archived March 2026). SEP-31 and SEP-9 are not ISO 20022 message formats, and the only ISO 20022 wording the profile found is in an SDF case study about DCM's Ukraine payment network (an application-layer description of a third-party product, not protocol-level standing). Traction is real and dated: PayPal's PYUSD went live on Stellar in September 2025, and Franklin Templeton's tokenized money fund runs on it.
XLM's role in these lists is remittance and stablecoin payments, not ISO 20022 standing.
Crypto Relevance
XLM's remittance module is the most consumer-facing of the eight roles, aimed at corridors where correspondent banking is expensive and slow. Many of the headline volume figures are the Stellar Development Foundation's own.
Related Terms
SEP-31
SEP-31 is Stellar's cross-border payments API standard that defines how anchors send payments on behalf of customers. It is not an ISO 20022 message format.
Stellar Anchor
A Stellar anchor is a regulated entity that issues assets on the Stellar network and provides fiat on- and off-ramps, bridging the Stellar blockchain and the traditional banking system.
SEP-24
SEP-24 is the Stellar standard for interactive, anchor-hosted deposits and withdrawals — a wallet hands the user off to the anchor's own web interface to complete KYC and payment details.
FATF Travel Rule
The FATF Travel Rule requires that originator and beneficiary information must travel with crypto transfers above USD/EUR 1,000. This entry also explains KYC and AML, the identity-verification and anti-money-laundering duties it builds on.
Related Tools
Sources
Last updated: 2026-09-29