A value of Liquido is calculated by a division of the total portfolio worth with a number of distributed tokens at any given time. Values of Lumen and Bitcoin are calculated by the average values on global crypto exchanges. Transfers take a while due to processing and blockchain confirmations. Your Stellar account must be pre-trusted for Liquido (XLQ) asset. Do not withdraw your Lumen asset directly to exchange wallet. Asset exchange and transfer is subjected to exchange and transfer fees.