## Overview of Stellar Lumens (XLM)
Stellar Lumens (XLM) is the native token of the Stellar blockchain platform, launched in 2014 by Jed McCaleb and Joyce Kim through the Stellar Development Foundation (SDF). Stellar is a decentralized Layer-1 network for cross-border payments, providing fast (3–5 seconds) and cheap (0.00001 XLM per transaction) transfers. The platform uses the Stellar Consensus Protocol (SCP), ensuring decentralization, low latency, and security. XLM serves to pay for transactions, staking, and is an intermediary currency for asset exchange (fiat, crypto, tokenized assets). Stellar supports the tokenization of real-world assets (RWA), DeFi, and smart contracts through Soroban. Partnerships with PayPal (PYUSD), MoneyGram, Mastercard, Franklin Templeton, and plans for $3 billion in RWA by 2025 strengthen the ecosystem. XLM is traded on Binance, Coinbase, Kraken.
- Price (July 14, 2025): ~$0.397–$0.51 (CoinMarketCap, Coinbase, CoinGecko).
- Market capitalization: ~$15.67–$16.2 billion (rank ~14).
- Trading volume (24 h): ~$2.34–$3.31 billion, decrease of 5.1–16.4% or increase of 12.7–19.3% (various data).
- News:
- Protocol 23 upgrade (vote August 14, 2025): improvement in speed and Soroban.
- PayPal PYUSD and Franklin Templeton launched tokenized assets on Stellar.
- $3 billion RWA and top-10 DeFi TVL in 2025 (currently #46).
- Partnerships with Mastercard, Visa, Societe Generale (TVL +400% YoY).
- Negative: cyberattack with fake wallets (July 4, 2025); 77% XLM in 10 wallets (centralization risk).
## Technical analysis
- Current situation: XLM price dropped 46–68% from ATH ($0.938, January 2018) and is trading at $0.397–$0.51, with a change of +7–23% in 24 hours and +28–87.5% in 7 days. A bullish engulfing pattern and ascending triangle are visible on the weekly chart, with support at $0.36 and resistance at $0.55. Bullish divergence on RSI indicates a possible breakout.
- Key levels:
- Support: $0.36–$0.375 (50-day SMA, 0.618 Fib).
- Resistance: $0.55, then $0.71–$0.99.
- Indicators:
- RSI (daily): ~58–73, neutral-bullish zone, close to overbought.
- MACD: Bullish, histogram narrowing indicates weakening momentum.
- SMA: Price above 50-day SMA ($0.35), but below 200-day ($0.45).
- Volumes: $2.34–$3.31 billion, volatility (increase on Binance: $221–$245 million for XLM/USDT).
- Chart: Price testing $0.397–$0.51 in an ascending triangle. Closing above $0.55 could raise the price to $0.71–$0.99; breaking below $0.36 would intensify the drop to $0.29–$0.30. Check on TradingView (XLM/USDT) or CoinMarketCap.
## Fundamental factors
- Positive:
- Leadership in RWA: $3 billion in 2025, partnerships with PayPal, Franklin Templeton.
- Low fees: 0.00001 XLM per transaction, 180+ countries.
- Ecosystem: Soroban (smart contracts), DeFi (TVL +400% YoY), OpenZeppelin for developers.
- Bullish sentiment: 60–70% of posts on X are optimistic, support from IMF.
- Risks:
- Centralization: 77% XLM in 10 wallets, 30 billion under SDF control.
- Volatility: cyberattack (July 4, 2025) and decline after peak of $0.48 (January 2025).
- Competition with Ripple (XRP), Hedera, TRON in cross-border payments.
- Regulatory risks: uncertainty with ETFs and CBDCs.
## Recommendations
- For traders: Buy while holding $0.375 (target $0.55–$0.71, stop-loss $0.36). Sell on break below $0.36 (target $0.29–$0.30). Watch for volumes, news on Protocol 23 and RWA.
- For investors: Growth potential is linked to RWA ($3 billion) and DeFi, but centralization and cyberattacks create risks. Watch for news on TVL and partnerships.
- Monitoring: Follow X (@StellarOrg, @Tokenicer) and charts on TradingView.
