just sharing how i cash out my XLM without trading it to BTC and sending to coins.ph (kasi may fee pa pag convert btc tapos antagal pa sa blockchain confirmation so triny ko icash out sa (centaurus wallet available in google play store) mga 5-10 secs lang andun na instant PHP na sya)
Here's how i do it
1) get lumens
2) use getstargazer.com or Centaurus or some other Stellar wallet that supports multi-currency payments and federation.
3) Click Send
4) for the address enter to
<phone number>*coins.asia
or
where phone number or email is of the person in the Philippines to receive the money
5) select PHP as the receiving currency
6) You will be shown an exchange rate
7) Click ok
8 ) a few seconds later the person in the Philippines will get a text or an email telling them how to pick up the cash.
![](https://ip.bitcointalk.org/?u=https%3A%2F%2Fi.imgur.com%2FWTVcYuk.jpg&t=665&c=nvAraGPz_2xWPQ)