Stellar has officially announced the Bell update (Protocol 30), which will radically simplify integration for large fintech platforms and custodial services. This major network upgrade introduces a new address format, moves the ledger to millisecond timing, and implements post-quantum encryption standards. The release of stable infrastructure and SDK versions is rolling out between October 16 and 23, 2026, with the final validator vote scheduled for November 23. For retail XLM holders, the hard fork will proceed transparently: coins are safe and no manual migration is required.
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