Stellar (XLM) — The “Decentralized Bank” quietly accumulating large waves
⸻
💸 What is Stellar (XLM)?
Stellar (XLM) is a blockchain platform specifically designed for fast, cheap, and cross-border money transfers – aimed at helping people access financial services without the need for traditional banks.
In short: XLM = Western Union of Web3.
In the context of international payments increasingly requiring speed, low cost, and transparency, Stellar is indeed a real, usable name that has been operational for years.
⸻
🚀 Why is XLM noteworthy in 2025?
🔹 The stablecoin, CBDC, fintech sector is booming → Stellar has many partnerships with governments & banks.
🔹 Already in practical operation: Collaborations with IBM, MoneyGram, supporting fiat ↔ crypto transfers in over 180 countries.
🔹 Solid infrastructure: Extremely fast transactions, very low fees — highly suitable for digital financial applications.
⸻
📈 Current XLM price (end of July 2025)
• Price: ~0.38– 0.38 USD
• Old ATH: ~0.93 USD
• There is still a lot of room for growth if the market picks up.
• Long-term accumulation below the $0.38 range is being considered “historically cheap”.