Stellar (XLM) is a decentralized blockchain designed to simplify cross-border payments, tokenization of assets, and real-world asset (RWA) integration. With partnerships like Mastercard and Paxos, XLM is building a practical use case in financial services and remittances.
Key Takeaways:
2025–2050 Price Scenarios (USD & INR)
| Year | Bear Case | Base Case | Bull Case | In INR -Base Case (as of 12 Dec, 2025) |
|---|---|---|---|---|
| 2025 | $0.45 | $0.60 | $0.75 | ₹54.22 |
| 2030 | $1.50 | $2.00 | $3.00 | ₹180.73 |
| 2040 | $3.00 | $4.00 | $6.00 | ₹361.46 |
| 2050 | $5.00 | $7.00 | $10.00 | ₹632.55 |
| Aspect | Details | Evaluation |
|---|---|---|
| Founders | Jed McCaleb and Joyce Kim | Strong background in cryptocurrencies and blockchain tech |
| Tokenomics | Total supply of 50 billion XLM | Utility-focused allocation supports growth |
| Circulating Supply | Approximately 30.44 billion | Significant portion already in circulation |
| Whitepaper | Focused on creating efficient cross-border payment solutions | Unique approach within the crypto space |
| Team | Diverse backgrounds in technology and finance | High credibility in the industry |
| Project Use Case | Bridging traditional finance with blockchain technology | Competing effectively in global payments |
| Funding | Funded through initial coin offerings (ICO) | Transparent financial structure |
| Roadmap | Expanding features, partnerships, and integrations | Strong development pipeline |
| Volume & Liquidity | Active trading with growing liquidity | Reflects increasing market interest |
Since its launch, XLM has experienced multiple price cycles:
XLM historically follows Bitcoin’s bull cycles. The 2024 Bitcoin halving is expected to influence the next altcoin season, which could peak in 2025.
In the short term, XLM tends to move with overall altcoin sentiment:
Pros:
Risks:
• Integration with Mastercard’s Crypto Credential Ecosystem: In October 2024, Stellar joined Mastercard’s Crypto Credential ecosystem, aiming to enable verified interactions across public blockchain networks.
• Partnership with Paxos: Also in October 2024, Paxos announced plans to integrate with the Stellar network, enhancing its open-source blockchain’s capabilities for payment and remittance applications.
• Launch of Soroban Smart Contracts: In 2024, Stellar introduced Soroban, a Rust-based smart contracts platform designed for scalability and efficiency. This development enables the creation of decentralized applications (dApps) and decentralized finance (DeFi) solutions on the Stellar network.
• Anniversary of Stellar Aid Assist: In December 2024, Stellar celebrated the two-year anniversary of Stellar Aid Assist, a solution that ensures the delivery of cash assistance to those in need, demonstrating the network’s commitment to financial inclusion.
These developments underscore Stellar’s ongoing efforts to enhance its blockchain network, expand its ecosystem, and promote financial access globally.
The recent U.S. presidential election, resulting in Donald Trump’s victory, has significantly influenced the cryptocurrency market, including Stellar (XLM). Trump’s shift from skepticism to advocacy for cryptocurrencies has bolstered market sentiment, leading to increased interest and investment in various digital assets.
President Trump has expressed support for U.S.-origin digital assets, referring to them as “American Tokens.” Reports indicate that his administration is considering the inclusion of cryptocurrencies like XRP, Solana, and USDC in a national crypto reserve. This initiative aims to bolster the U.S. position in the global digital economy.
While specific endorsements of Stellar (XLM) have not been publicly announced, the overall positive stance toward American cryptocurrencies is expected to benefit the entire sector, including Stellar. The administration’s focus on fostering a favorable environment for digital assets could lead to increased adoption and integration of blockchain technologies across various industries.
Stellar (XLM) is a cryptocurrency project with a strong foundation in facilitating cross-border payments and financial inclusion. Its unique consensus mechanism and strategic partnerships position it well for future growth.
In the short term, President Trump’s pro-crypto stance is expected to positively influence the market. His administration’s favorable policies and appointments of crypto-friendly officials are anticipated to create a more supportive environment for digital assets, potentially benefiting projects like Stellar.
Stellar’s focus on building partnerships in emerging markets further increases its global impact. By focusing on solving real-world problems, XLM stands out as a practical coin with lots of room to expand.
In summary, Stellar’s mission to revolutionize cross-border payments, combined with the favorable political climate under US President Trump’s administration, positions XLM as a promising cryptocurrency project for the future.
Based on current adoption trends, partnerships, and historical cycles, XLM could range between $0.45 (bear case) and $0.75 (bull case). The base case forecast is around $0.60, assuming moderate growth in cross-border payments and tokenization adoption.
By 2030, long-term adoption of Stellar for remittances, cross-border payments, and real-world asset (RWA) integration could drive XLM to $1.50–$3.00, with a base case near $2.00. Factors include partnerships, on-chain usage, and overall crypto market growth.
Yes. Stellar continues to expand its ecosystem, with strong partnerships (Mastercard, Paxos), ISO 20022 compatibility, and a focus on real-world applications like remittances and RWA tokenization. Its long-term growth depends on adoption, regulatory clarity, and competition.
Stellar’s use case in cross-border payments and partnerships with financial institutions make it a potentially viable long-term investment. Pros include low fees, fast transactions, and a fixed supply. Risks include competition from other L1s, CBDCs, and regulatory uncertainty.
XLM: Focused on cross-border payments, tokenization, and real-world asset integration
XRP: Primarily for institutional payments and bank-led settlements
LTC: Primarily a peer-to-peer cryptocurrency with fast transactions but less focus on financial institutions
