# Moving between exchanges, without currency fluctuation thanks to Blend

> An educational guide on using Blend, a permissionless lending protocol on Stellar, to transfer funds between accounts while avoiding cryptocurrency exchange rate volatility by borrowing XLM as collateral.

**Metadata**

- Published: 2025-07-30
- Author: The Boring Trade
- Original publisher: `theboringtrade.substack.com`
- Original article: https://theboringtrade.substack.com/p/between-exchanges-without-fluctuations
- Tags: DeFi, Smart Contracts, Education

## Summary

The article demonstrates a practical use case for Blend, a decentralized lending protocol on Stellar, to facilitate cross-account transfers while hedging against XLM price fluctuations. The author outlines a six-step process where Account B deposits collateral to borrow XLM, which is then exchanged for fiat currency while Account A simultaneously converts fiat to XLM at the same rate, eliminating exposure to volatility. The guide explains why this approach is valuable for larger transfers (50,000+ Euros) where 3-5% price movements could result in significant losses, and argues that using available protocol tools makes financial operations more efficient despite initial complexity. The article emphasizes that this same principle can be applied to various currency conversion scenarios on Stellar.

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*Source: https://lumenloop.com/news/moving-exchanges-without-currency-fluctuation-thanks-blend*