Underlying value
0% backing. Price is only speculation.
≥100% XLM collateral, held in the contract.
100% XLM-collateralized
No-Limit XLM
Autostaking
cXLM is backed by native XLM the contract already holds. Every buy and refund keeps 0.15% as extra XLM-collateralized reserves. No admin. No mint key. Redeem to XLM at the live on-chain ratio.
The live desk is not reachable. Start the cXLM app, then refresh.
The mathematical advantage
Why cXLM is not just another token
Most tokens are valueless. cXLM is a reserve plus a rule: every interaction (Buy or Refund) grows the cXLM value by increasing the XLM backing amount per cXLM token.
Contract invariant
None. Supply can inflate. Pools can drain.
Reserves ≥ supply, enforced on every buy and refund.
Admin control
Upgradeable, mint keys, freeze / clawback risk.
Immutable Wasm. No admin, freeze, or mint keys.
Fee dynamics
Dilutive taxes or protocol leakage.
0.15% of every buy and refund stays as extra XLM backing.
Redemption
Depends on a thin DEX pool.
Direct contract redemption to native XLM, anytime.
| Property | Standard “Buy & Pray” tokens | cXLM · Soroban |
|---|---|---|
| Underlying value | 0% backing. Price is only speculation. | ≥100% XLM collateral, held in the contract. |
| Contract invariant | None. Supply can inflate. Pools can drain. | Reserves ≥ supply, enforced on every buy and refund. |
| Admin control | Upgradeable, mint keys, freeze / clawback risk. | Immutable Wasm. No admin, freeze, or mint keys. |
| Fee dynamics | Dilutive taxes or protocol leakage. | 0.15% of every buy and refund stays as extra XLM backing. |
| Redemption | Depends on a thin DEX pool. | Direct contract redemption to native XLM, anytime. |
Stellar · XLM holders
What cXLM does for the network
XLM that buys cXLM is locked in the contract as collateral. Activity does not dilute the reserve, it slightly thickens it.
01
Permanent XLM sink
XLM deposited through buy is held on-chain as backing. Liquid circulating XLM falls while a second, redeemable asset is created.
02
Self-strengthening backing
15 bps of every buy and refund stays in the contract and is never minted. Direct XLM donations also raise the ratio. The floor can only move with activity, it is not a promised yield.
03
Pure SEP-41 primitive
Trustless, non-custodial, code-governed. Wallets and Soroban venues that speak SEP-41 can hold and transfer cXLM without an issuer account.
On-chain verifier
cXLM is fully transparent.
Reserves, supply, and the ratio are public functions. This page verify those values from the cXLM contract. The source of truth is still the ledger.
Live contract state
pending mainnet deploy
Total reserves
— XLM
Total supply
— cXLM
Backing ratio
—
Invariant
Reserves ≥ supply on every buy and refund.
← Back to cXLM
Terms of Use
Version 1.1 · Last revised: August 24, 2026
The web application located at x-pool.ai (the "Site" or "App") provides an interface to the cXLM protocol: an XLM-collateralized token on the Stellar network (Soroban smart contracts). The App is operated by the cXLM development team ("we", "us" or "our").
By accessing or using the App, you agree to these Terms on behalf of yourself or the entity you represent, and you confirm that you have the authority to do so. If you do not agree to these Terms, please do not use the App.
Important: The cXLM App is in mainnet beta and is experimental. Transactions on the Stellar network are irreversible. You are solely responsible for your wallet, your private keys, and the tax consequences of your activity. Use at your own risk.
1. The Service
What the App does. The App is a web interface to the cXLM smart contract on the Stellar network (mainnet). Through the App you can:
- Buy cXLM by depositing XLM into the contract;
- Transfer cXLM to other Stellar addresses; and
- Refund cXLM back to XLM through the contract.
How cXLM works. cXLM is backed by XLM held in the contract. The contract enforces, on every buy and refund, that contract XLM reserves are always at least the total cXLM supply. There is no issuer account, no admin, no upgrade key, and no public mint. The backing ratio is public and verifiable on-chain 24/7.
Fees. A total fee of 0.25% (25 bps) applies to each buy and refund: 0.15% is retained in the contract as additional XLM backing, and 0.10% is paid to the protocol's single ops address as cXLM. Transfers carry no fee. The fee structure is fixed by the contract's economic model and is disclosed in the App.
Beta stage. The App and the underlying protocol are provided in beta. Features may change, be added, or be removed at any time. The privacy token pool is not live on mainnet. Copy on the Privacy page describes intended pool behavior; it is not a live service.
2. Eligibility and Restricted Use
You must be at least 18 years old, or the age of majority in your jurisdiction, to use the App.
No KYC, no accounts. The App does not require registration, identity verification, or an account. Your Stellar wallet address is your identifier.
Restricted persons. You may not use the App if you are subject to sanctions or are located in a jurisdiction where the use of the App, or of crypto assets generally, is prohibited by applicable law. You are responsible for complying with all applicable laws in your jurisdiction.
3. Wallets, Keys and Custody
No custody. We never take custody of your funds. Your XLM and cXLM are held by you, on-chain, in the wallet you control.
External wallets only. You connect a wallet you already control: the Freighter browser extension, or (only if a WalletConnect project id is configured on this deployment) a WalletConnect-compatible wallet. This App does not generate, encrypt, or store private keys, seed phrases, or PINs. Signing happens in your wallet. When the desk is shown inside the marketing-page iframe, Freighter is invoked from the parent page because the extension does not inject into nested iframes. We never see your private keys.
Your responsibility. You are solely responsible for safeguarding your wallet, private keys, and seed phrases. We cannot recover lost keys, reverse transactions, or restore access. Any transaction signed by your wallet is authorized by you.
4. Transactions
On-chain and irreversible. All transactions are submitted to the Stellar network and, once confirmed, are final and irreversible. We cannot cancel, reverse, or refund transactions, and no one can recover assets sent to the wrong address.
Network conditions. Transaction confirmation depends on the Stellar network, not on us. We are not liable for network congestion, RPC failures, or any other condition outside our control.
Your due diligence. You are responsible for verifying amounts, addresses, and network before confirming any transaction in your wallet.
5. Risks
Experimental software. The cXLM contract and the App are experimental. Smart contracts may contain undiscovered vulnerabilities. Use of the protocol is at your own risk.
Market risk. The value of cXLM and XLM can fluctuate significantly and can lose value. cXLM is not a guaranteed redemption instrument; refunds pay out according to the live on-chain backing ratio.
No advice. Nothing in the App constitutes investment, legal, or tax advice. You should do your own research and consult appropriate professionals.
Tax. You are solely responsible for determining and paying any taxes arising from your use of the App.
6. Acceptable Use
You may not use the App to:
- engage in any unlawful activity or activity that violates applicable law or regulation;
- violate or attempt to violate the security or integrity of the App, the contract, the Stellar network, or any third-party service;
- interfere with other users' use of the App;
- use the App in a manner that violates the rights of any third party.
7. Intellectual Property
The App's interface, code, and branding are owned by us or our licensors. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the App for its intended purpose. You may not copy, modify, distribute, sell, or create derivative works from the App, except as expressly permitted by an applicable open-source license.
8. Disclaimers
THE APP AND THE PROTOCOL ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL CODE.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW: (A) WE WILL NOT BE LIABLE FOR ANY LOST PROFITS, LOST DATA, LOST FUNDS, OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THE APP; AND (B) OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING UNDER THESE TERMS IS CAPPED AT $50 USD. The existence of multiple claims does not increase this cap.
10. Indemnification
You agree to defend, indemnify, and hold harmless us and our officers, agents, and contributors from any claims and reasonable costs arising out of (i) your use of the App, (ii) your violation of these Terms, or (iii) your violation of any applicable law or regulation.
11. Changes to These Terms or the Service
We may update these Terms from time to time. If we make material changes, we will post the updated Terms on the Site with a new revision date. Your continued use of the App after the updated Terms are posted means you accept them. We may modify, suspend, or discontinue the App (or any part of it) at any time, with or without notice.
12. Privacy
Your use of the App is governed by our Privacy Policy, which is incorporated into these Terms by reference.
13. Dispute Resolution
Any dispute arising out of or relating to these Terms or your use of the App will be resolved in the courts of competent jurisdiction in your country of residence, and you and we consent to the jurisdiction and venue of those courts. Nothing in this section prevents either party from seeking injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property or confidential information.
14. Governing Law
These Terms are governed by the laws of the jurisdiction in which you reside, without regard to its conflict-of-law principles. If you are a consumer, nothing in these Terms limits any mandatory protections available to you under the law of your country of residence.
15. General
Entire agreement. These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding your use of the App.
Severability. If any provision of these Terms is found invalid or unenforceable, it will be modified to the minimum extent necessary to be enforceable, and the remaining provisions continue in effect.
No waiver. Our failure to enforce any provision is not a waiver of that provision.
Assignment. You may not assign these Terms without our prior written consent; we may assign them freely.
Survival. Sections 4 (Transactions), 5 (Risks), 8 (Disclaimers), 9 (Limitation of Liability), 10 (Indemnification), 13 (Dispute Resolution) and 14 (Governing Law) survive termination of these Terms.
16. Contact
Questions about these Terms: hello@x-pool.ai.
← Back to cXLM
Privacy Policy
Effective as of August 24, 2026
The cXLM development team ("we", "us" or "our") operates the cXLM App (the "Service"): a web interface to the cXLM protocol, an XLM-collateralized token on the Stellar network.
The short version: we do not run accounts, KYC, or first-party analytics. The App stores session data in your browser. Public Stellar RPC/Horizon endpoints, the site host, and (if you use WalletConnect) the WalletConnect relay see standard connection metadata such as IP address under their own policies.
1. Information we do not collect
The Service is designed around user sovereignty and minimal data:
- No accounts. We do not create accounts, and we do not ask for your name, email, or any identifier.
- No KYC. We do not verify identity.
- No first-party analytics or tracking pixels. The App does not embed analytics, advertising, or tracking software. It does not set its own analytics cookies. The hosting provider may log requests (IP, user-agent) to serve the files.
- No application backend that stores personal data. Buy, transfer, and refund run in the browser against public Stellar endpoints. We do not operate a user database.
2. Information stored locally on your device
To function, the App uses your browser's local storage (web storage). This data stays on your device:
- Wallet session: the connected Stellar public key and wallet-kit selection (cxlm.wallet, cxlm.needWalletConsent, @StellarWalletsKit/*). No private keys or seed phrases are stored.
- Transaction journal (cxlm.txJournal.v1): hashes, status, amounts, and related fields for transactions this browser submitted, so a tab close cannot lose a pending hash.
- Language (cxlm.lang): UI locale.
- Optional WalletConnect keys (prefix cxlm-wc): only if a WalletConnect project id is configured and you connect that way.
- Privacy-page leftovers (cxlm.feeReceipt.*, cxlm-spp-imported-notes): only if you use the Privacy page. That pool is not live on mainnet.
You can delete all of this data by clearing this site's browser data. That disconnects the wallet session in this browser; it does not affect on-chain balances.
3. Public blockchain data
The Service interacts with the Stellar network, whose ledger is public. When you transact, the following is visible to anyone: your Stellar address, the counterparty address, transaction amounts, and timing. This is inherent to public blockchains and is not something we control. Your Stellar address is your on-chain identity — treat it accordingly.
The Service reads contract state through public Stellar RPC and Horizon endpoints (e.g., mainnet.sorobanrpc.com, horizon.stellar.org). These providers may log standard connection metadata (such as IP addresses) under their own policies. Transaction links may point to third-party explorers (e.g., stellar.expert), which operate under their own policies.
4. Third-party services
The App may rely on third-party services that operate under their own privacy policies:
- WalletConnect (Reown): only if this deployment has a WalletConnect project id and you connect that way. The relay may process connection metadata under Reown's privacy policy.
- Stellar.Expert: the desk may fetch a public asset volume list from api.stellar.expert for the token picker. Transaction links may open stellar.expert. Their policies apply.
- Hosting: the marketing site and desk are static/SSR files served to the browser (currently Netlify). The host may log IP address, user-agent, and URL to serve the App.
- External wallets (e.g., Freighter): your wallet provider's privacy practices apply to their software.
We do not sell, rent, or share personal information with third parties — because we do not collect it.
5. How we use information
We do not process personal data. We operate the Service's infrastructure and the protocol's smart contracts, and we publish on-chain facts (such as the cXLM backing ratio) that are already public on the Stellar network.
6. Your rights
Because we collect no personal data, there is nothing for us to access, correct, or delete on our side. Your local data is yours: you can view, export, or delete it through your browser at any time.
If you are in the European Economic Area or the United Kingdom and believe we hold personal data about you, contact us and we will respond to your request in accordance with applicable law. You also have the right to lodge a complaint with your local data protection authority.
7. Children
The Service is not directed to children under 18, and we do not knowingly collect personal data from anyone.
8. Changes
We may update this Privacy Policy from time to time. If we make material changes, we will post the updated policy on the Site with a new effective date.
9. Contact
Questions about this Privacy Policy: hello@x-pool.ai.