1. Background and Fundamentals

Stellar ($XLM ) is a blockchain designed for fast and inexpensive cross-border transfers, particularly targeting emerging markets and financial institutions. Its blockchain consensus protocol (SCP) and its partnership with major players (IBM, MoneyGram, etc.) give it a certain credibility.

2. Key Factors for 2025

a) Institutional Adoption and Partnerships

- Use in international payments: If Stellar strengthens its collaborations with banks or remittance companies, XLM could see increased demand.

- Asset tokenization: The growing adoption of stablecoins (like USDC on Stellar) could boost the network's utility.

b) Concurrence (Ripple/$XRP , SWIFT, CBDCs)

- XLM faces fierce competition, especially from Ripple (XRP), which has a head start in the institutional market.

- The evolution of CBDCs (central bank digital currencies) could threaten or, on the contrary, integrate Stellar as infrastructure.

c) Technology and Developments

- Future updates (such as simplified smart contracts) could expand Stellar's use cases beyond simple transfers.

3. Technical Analysis and Price History

- Current Price: XLM has often fluctuated between $0.10 and $0.25, with peaks as high as $0.80 during previous bull markets.

- Projection 2025 :

- Bullish Scenario (Bull Market): If Bitcoin reaches new highs and Stellar gains adoption, XLM could target $0.50-$1.

- Average scenario: Stabilization around $0.30 - $0.50 if the market remains stable.

- Bearish scenario: Return below $0.10 in the event of a macroeconomic crisis or lack of interest in altcoins.

4. Risks to Watch Out For

- Regulation: A crackdown on cryptocurrencies used in traditional finance (like XLM and XRP) could impact the price.

- Limited adoption: If banks prefer solutions like SWIFT or Ripple, XLM could stagnate.

5. Conclusion

Stellar (XLM) has real potential for 2025, but its success will depend on:

✅ The expansion of its institutional partnerships.

✅ Its ability to compete with Ripple and CBDCs.

✅ The overall dynamics of the crypto market (bull cycle or not).

Recommendation :

- A long-term investment in XLM may be attractive for those who believe in the adoption of cross-border crypto payments, but competition and macroeconomic signals should be monitored.

- In the event of a bull run, a range of $0.50 - $1 is possible, but a return below $0.20 is possible if the market contracts.

(Note: This analysis does not constitute financial advice. Do your own research before investing.) 🚀

What do you think about XML?