Stellar Lumens (XLM) is a cryptocurrency platform focused on cross-border payment solutions for the unbanked. It was forked from Ripple in 2014 by Jed McCaleb and Joyce Kim. It also has a token platform which can launch ICOs and has unique features like the Stellar Consensus Protocol which makes it really fast, scalable, cheap, and decentralized. Some XLM pros or advantages include: altruistic mission, great team, improvements on Ripple, etc. Some XLM cons or disadvantages include inflation, centralized supply, big time competitors like Ripple/Ethereum, etc. For more information and an unbiased review of Stellar Lumens XLM, then give this video a watch!
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For more analysis on Stellar Lumens XLM, please read: https://www.bitcoinforbeginners.io/cryptocurrency-reviews/stellar-lumens-xlm-pros-cons/