Since its January 2019 high of $0.939, Stellar Lumens (XLM) has had quite the fall to $0.085100 at press time. Many crypto investors have given up on the once high hopes for this currency. However, we now have reason to believe that XLM is poised for a bull-run and will make that case here. About Stellar Lumens Stellar Lumens is a blockchain-based distributed ledger platform which enables real-time transactions to occur anywhere in the world in as little as five seconds. With an order book, Stellar acts as a decentralized currency exchange. You can sell, buy, and manage your assets here, with XLM acting as an intermediate currency for payment of transaction fees. The currency helps users reduce transaction costs. To make financial services affordable and accessible, Stellar makes transactions seamless and reduces fees for micropayments and remittances. In 2015, the Stellar network issued 100 billion XLMs, and in 2019, the group announced it would burn over half of those coins. There

(Shutterstock) You should be allocating something to this asset class.  I understand why you might have not yet. It can seem daunting to get into, or even potentially unsafe. Maybe the volatility in the headlines has scared you off, or maybe you don't understand its appeal or utility. It's time to get over it and do some research. Crypto is here to stay and it is likely to continue increasing in value over an extended period of time.  Ruchir Sharma , Chief Global Strategist with Morgan Stanley has detailed some of the best factors for a long-term bullish case, in this  report .  The report discusses the growth and future of cryptocurrencies, with a focus on Bitcoin. It argues that cryptocurrencies are following the natural path of new inventions, and that they are here to stay as a serious asset class due to factors such as growing distrust in fiat currencies and the younger generation's preference for digital advances. The report also notes that Bitcoin is still a relative