It seems that at the moment it is difficult to find a secure place to by XLM with USD, but there are multiple solutions for exchanging other cryptocurrencies to Stellar Lumens. For this purpose, you will have to perform a two-step transaction chain. Firstly you will buy Bitcoin or Ethereum from a reputable provider, like Coinbase’s GDAX and after this will exchange your coins to XLM at an exchange which supports this currency. The most used one is Binance, but there is also a list of alternative solutions: Poloniex, Kraken, Bittrex. All these platforms are ready for use, but be sure to make small transactions before you get familiar with a new system for not losing considerable amounts in case of a mistake. Regarding the difference in XLM prices on these platforms, you will compare them at the moment you decide to do this transaction.
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