Stellar’s Protocol 30 upgrade, Bell, went live on testnet on Nov. 3 after the scheduled validator vote, and the network now has until Nov. 23 at 17:00 UTC to get wallets, exchanges, custodians and indexers ready for the mainnet vote. Bell carries three changes: muxed contract addresses, post-quantum signature verification inside Soroban contracts, and millisecond ledger timestamps. The Stellar Development Foundation (SDF) frames the release as groundwork for business-scale smart accounts. For the desks that settle tokenized funds and stablecoin flows on Stellar, the practical content of the upgrade is narrower, and more consequential, than the framing suggests: two of the three changes alter data formats that outside systems have to parse.