Nowadays the cryptocurrency Lumens can be found within several exchanges operating under the license. You can remember that as with any other kind of digital funds, there is a risk to lose them due to theft for example, that is why ensure that your password is safe. Within the Stellar network the lumens will always have utility value and will be used for inside transactions. It is natural that its price at the outer market depends on fiat currencies and that is why it is not fixed and may change. This fluctuation can lead to losings caused by a complete loss of value.
As any digital currency it is not insured by government and by any relevant official bodies so there is no regulation in this sphere. You can turn to a consultant and find out more about the potential risks in this regard. In addition, before you start trading with Lumens, you should ensure that you have read and understand the educational document issued by the CFTC: “Customer Advisory: Understand the Risks of Virtual Currency Trading”.
Trading with Lumens within the Stellar platform you have to pay a nominal fee or the so called base fee for each operation concerning every transaction. The trader that initiates the transaction incurs this fee, which prevents the flooding within the network or the so called DoS attacks. Initially it makes .00001 XLM but if there is a doubt concerning the intention of the user of an account, which is aimed to bring down the network, the system will increase the fee. It is important to understand that this fee is formal and nobody gets the amount on his hands. The system gathers all the sums paid and redistributes them.