Stellarโs been around for a while as one of the original cryptos, but its mission hasnโt changed: fast, low cost payments for the people who need it most โ> developing countries, people without bank accounts, cross border remittances that donโt drain in fees. โจ
๐๐๐ ๐ฏ๐ฌ $๐๐๐
Same origin story, different path. $XRP works with banks while $XLM works with people. Some say theyโre rivals and Iโm sure the XRP crowd isnโt exactly cheering for XLM, but to me, they complement each other. Theyโre attacking the same problem from opposite ends and neither will replace the other. If anything, itโs a case of keep your enemies closer.โจ
๐๐ก๐๐ญโ๐ฌ ๐๐ซ๐ข๐ฏ๐ข๐ง๐ ๐๐๐โ๐ฌ ๐๐๐จ๐ฌ๐ฒ๐ฌ๐ญ๐๐ฆ?
๐น๐๐๐๐ฅ ๐ฐ๐จ๐ซ๐ฅ๐ ๐ซ๐๐ข๐ฅ๐ฌ with IBM, MoneyGram and Flutterwave. Actual cross border payments in emerging markets.
๐น๐๐ญ๐๐๐ฅ๐๐๐จ๐ข๐ง ๐ซ๐๐๐๐ฒ. USDC runs on Stellar and with the US stablecoin bill in progress, this is very significant. It also connects to Mastercard and Visa through Tala, Circle and Transak, letting users spend USDC at 70M+ merchants or cash out to fiat in 160+ countries.
๐น๐๐ฌ๐๐ ๐๐ฒ ๐ญ๐ก๐ ๐๐ to deliver aid directly to people that need it most.
๐นBacked by Franklin Templeton for tokenised US government money funds. Real institutional trust.โจ
๐น๐๐๐ ๐๐๐๐๐ compliant. Meaning it already speaks the same language as banks.โจโจ
๐๐ก๐๐ญ ๐ข๐ฌ ๐๐๐ ๐๐๐๐๐?โจ
Itโs the new messaging standard for global finance. Cleaner data, faster processing. Banks everywhere are upgrading to it. Stellar being compliant means it can plug into that system seamlessly. Other cryptos that are compliant include XRP QUANT ALGO IOTA.โจ
๐๐ก๐๐ฉ๐ข๐ง๐ ๐ญ๐ก๐ ๐ ๐ฎ๐ญ๐ฎ๐ซ๐ ๐จ๐ ๐ ๐ข๐ง๐๐ง๐๐โจ
In 2024, Stellarโs CEO joined Anchorage at a U.S. congressional hearing to discuss blockchainโs role in the financial system. It wasnโt just about compliance, it was about shaping how finance evolves.
๐๐ซ๐ข๐๐ ๐๐ฎ๐ญ๐ฅ๐จ๐จ๐ค
$XLM has lagged during the hype cycles, but thatโs not a bad thing. Itโs avoided the pump and dump noise, which means price is still driven by fundamentals. If adoption keeps growing around aid, stablecoins or CBDCs, thereโs serious upside. A return to the $0.73 high would be easy. In a strong market, I see it surpassing $1. Long term, if Stellar locks into real financial plumbing, price will follow.
Stellar could make it to the top 5, but it lacks that retail hype. Itโs not sexy enough yet. The use case is there though, so top 10 is realistic in my opinion.
