The Stellar network can bring significant benefits to people who do not receive services from any bank. Users who already have bank accounts, on the other hand, can be offered opportunities and discounts not available in traditional banks. Among these are low-cost transfers, transparency, ease of use and Stellar's open source infrastructure.
Stellar suggests the following two things to convince its users to hold tokens:
1. To support Stellar's operation and invest in its future success.
2. When the Foundation distributes all lumens in their hands in the future, everyone will have to procure lumens from the exchange.