Where can I pay with XLM?

Could you please elaborate on the usage of XLM? I'm particularly interested in knowing where I can make payments using this cryptocurrency. Are there any specific merchants or online platforms that accept XLM as a form of payment? Additionally, are there any geographical restrictions or limitations to where I can use it? It would be helpful if you could provide some examples or a list of places where I can utilize XLM for payments. Thank you for your assistance in clarifying this matter.