Stellar (XLM) Price Prediction 2025–30: Can XLM be a long-term bet?

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Dis­claimer: The datasets shared in the fol­low­ing arti­cle have been com­piled from a set of online resources and do not reflect AMBCrypto’s own research on the subject.

Fol­low­ing the col­lapse of the now-bank­rupt cryp­tocur­ren­cy exchange FTX, Stel­lar has been on a rather volatile path. Lumens (XLM), its native cryp­tocur­ren­cy, has fall­en from $0.1111 to $0.0903, demon­strat­ing a 20% drop over a fortnight.

Stel­lar (XLM) is cur­rent­ly trad­ing in a his­tor­i­cal buy zone, indi­cat­ing that a triple-dig­it gain is pos­si­ble by the end of the month. The FTX col­lapse erod­ed trust in cryp­to pay­ments which is expect­ed to weigh on Stellar’s (XLM) per­for­mance in the future.


Read Price Pre­dic­tion for Stel­lar [XLM] 2023–24


Stel­lar is today one of the best plat­forms for facil­i­tat­ing faster and eas­i­er inter­na­tion­al finan­cial trans­ac­tions. It is based on a decen­tral­ized on-chain pro­to­col. Stel­lar users trade in Lumens (XLM) which is the platform’s native cryptocurrency.

Anoth­er impor­tant fea­ture of Stel­lar is that indi­vid­u­als are more inter­est­ed in Stel­lar than orga­ni­za­tions as it is a plat­form for small-amount pay­ments. It is gain­ing pop­u­lar­i­ty due to its sim­ple user interface.

Stel­lar enables real-time trans­ac­tions to occur any­where in the world in as lit­tle as five sec­onds. A new smart con­tracts plat­form called Soroban has released its sec­ond pre­view. The upgrade intends to increase plat­form devel­op­er friend­li­ness, scal­a­bil­i­ty, and sensibility.

Only recent­ly, Ethereum tran­si­tioned from the proof-of-work (PoS) to the proof-of-stake (PoS) con­sen­sus mech­a­nism fol­low­ing the Merge. The step under­lines the need for cryp­tocur­ren­cies to move towards eco-friend­ly meth­ods. In this regard, Stel­lar is very promis­ing as it has a small­er car­bon foot­print. Its authen­ti­ca­tion cycle is also fast, keep­ing ener­gy use to a minimum. 

Act­ing as decen­tral­ized cur­ren­cy exchange, Stel­lar helps you track all of your assets with an order book. You can sell, buy and man­age all of your assets here, with XLM act­ing as an inter­me­di­ate cur­ren­cy for pay­ing trans­ac­tion fees. The cur­ren­cy is very use­ful for the users because it helps you reduce trans­ac­tion costs. 

The Stel­lar net­work makes trans­ac­tions seam­less and reduces fees for micro-pay­ments and remit­tances in order to make finan­cial ser­vices afford­able and acces­si­ble to the world.

Trans­ac­tions on the Stel­lar plat­form are per­formed swift­ly due to the ease of Lumens. The cur­ren­cy not only makes trans­ac­tions seam­less for the sender and the recip­i­ent but also ensures that trans­ac­tions are secure. 

Jed McCaleb, Co-founder, and CTO of Stel­lar said in an inter­view with Coin­Mar­ket­Cap that XLM is used in a fun­da­men­tal way for the network.

“Maybe that affects the price, maybe price is a sec­ondary indi­ca­tor of how use­ful the under­ly­ing pro­to­col is in some way… But I think that the trend is there: that where price and util­i­ty can come into play.”

XLM is list­ed on a num­ber of cryp­to exchanges includ­ing Binance, eToro, Huo­bi Glob­al, CoinTiger, FTX, and OKEx. This shows that the cur­ren­cy is an increas­ing­ly accept­ed choice of investors now. 

A total of 100 bil­lion XLMs were issued when the Stel­lar net­work was launched in 2015. In 2019, the group announced that it was burn­ing over half of the cryptocurrency’s sup­ply. Stel­lar men­tions on its web­site that cur­rent­ly, there are around 50 bil­lion XLMs in exis­tence; 20 bil­lion XLMs are in cir­cu­la­tion and 30 bil­lion XLMs are retained by the Stel­lar Devel­op­ment Foun­da­tion for project devel­op­ment. Noth­ing more will be created.

In an inter­view in March 2022, Stel­lar CEO Denelle Dixon said that despite its ongo­ing mil­i­tary con­flict with Rus­sia, Ukraine is still work­ing with Stel­lar on its cen­tral bank dig­i­tal cur­ren­cy (CBDC). The progress, how­ev­er, has not been at the expect­ed speed due to the cri­sis. She added that Stel­lar is “talk­ing to the admin­is­tra­tion about things that we can do to help with … human­i­tar­i­an aid needs.” She also com­mend­ed Ukraine’s deci­sion to accept cryp­tocur­ren­cy dona­tions for aid.

Also, it was only recent­ly that XLM got list­ed on the lead­ing cryp­tocur­ren­cy exchange Robin­hood, sig­nif­i­cant­ly spik­ing its price. 

Due to its increas­ing adop­tion, XLM is among the top 30 cryp­tocur­ren­cies in the world right now, with a mar­ket cap­i­tal­iza­tion of under $3 bil­lion

Why these projections matter

Where Stel­lar trumps oth­er finan­cial plat­forms is its low trans­ac­tion fees which have drawn a huge num­ber of cryp­tocur­ren­cy users to it. It is one of the few blockchain net­works that has been suc­cess­ful in col­lab­o­rat­ing with large tech cor­po­ra­tions such as Deloitte and IBM. Stel­lar, in part­ner­ship with IBM, launched a project that enables fin­tech to engage in finan­cial trans­ac­tions using assets such as stablecoins.

It must be not­ed that Stel­lar is one of the large cor­po­ra­tions that are oper­at­ing in the cryp­tocur­ren­cy mar­ket. It is one of the most cen­tral­ized cryp­tocur­ren­cy net­works active on the inter­net. While the Stel­lar net­work uses decen­tral­ized nodes, it doesn’t have that many val­ida­tors. Such an infra­struc­ture gives the group a lot of con­trol over the oper­a­tions and price move­ment of XLM.

In 2016, Deloitte announced a part­ner­ship with Stel­lar, along with four oth­er blockchain net­works, to pro­vide new tech­no­log­i­cal capa­bil­i­ties to its glob­al finan­cial insti­tu­tion client base.

In June 2018, the For­tune report­ed that New York finan­cial reg­u­la­tors approved Stel­lar Lumens to trade on the itBit exchange, the first time the state’s author­i­ties have giv­en it the green light.

In Octo­ber 2021, IBM part­nered with Stel­lar to facil­i­tate cross-bor­der pay­ments by banks. The sys­tem uses XLM as a bridge cur­ren­cy for trans­ac­tions and it has been suc­cess­ful in the South Pacif­ic region. 

The same year, Mon­ey­gram announced a part­ner­ship with Stel­lar. Its inte­gra­tion with Stel­lar facil­i­tates the con­ver­sion of the USDC sta­ble­coin into cash and vice ver­sa. The facil­i­ty aims to encour­age the liq­uid­i­ty of cryp­tocur­ren­cies and the inte­gra­tion of tra­di­tion­al and cryp­tocur­ren­cies.  

In Octo­ber 2021,  Flut­ter­wave, a glob­al pay­ments tech­nol­o­gy com­pa­ny, also announced two new remit­tance cor­ri­dors between Europe and Africa on the Stel­lar net­work. The step is a major step in Stellar’s expan­sion in the glob­al market. 

It also suc­ceed­ed in receiv­ing cer­ti­fi­ca­tion from the Islam­ic schol­ars of Bahrain in 2018, aim­ing to inte­grate the tech­nol­o­gy into the field of sharia-com­pli­ant finan­cial prod­ucts, report­ed Reuters. 

“We have been look­ing to work with com­pa­nies that facil­i­tate remit­tances, includ­ing in the Unit­ed Arab Emi­rates, Sau­di Ara­bia, and Bahrain. It’s a huge mar­ket,” said Lisa Nestor, the then-direc­tor of part­ner­ships at Stel­lar. Since the Mid­dle East and South Asian regions are key areas of growth for the group where a lot of coun­tries are run on a sharia-com­pli­ant sys­tem, this is a major suc­cess for Stellar.

Devel­op­ing economies are the main focus of the Stel­lar net­work in the areas of remit­tances and loans. It pri­mar­i­ly aims to tar­get those who are still not part of the tra­di­tion­al bank­ing system. 

In June 2022, the glob­al plat­form for mod­ern mon­ey move­ment, Nium, and Stel­lar announced a part­ner­ship to enable pay­outs to 190 coun­tries. “This inte­gra­tion tru­ly dri­ves home the val­ue that blockchain-pow­ered cross-bor­der pay­ment solu­tions bring to the cur­rent finan­cial sys­tem,” said Denelle Dixon, CEO and Exec­u­tive Direc­tor of the Stel­lar Devel­op­ment Foun­da­tion. “At SDF, we are always work­ing to fill up the map and con­nect the net­work to more of the globe. Togeth­er with Nium, we are thrilled to expand the reach of the Stel­lar net­work so significantly.”

In an inter­view with Pym­nts last year, Nestor said that dig­i­tal assets are a tool for every­one and that this asset space will grow. Bit­coin, sta­ble­coins, Doge­coin, and oth­er assets can all coex­ist in a sin­gle inter­op­er­a­ble net­work and cre­ate an inclu­sive finan­cial sys­tem. “We hear from our part­ners around the world that the abil­i­ty to save, access, and trans­act seam­less­ly across bor­ders, with dol­lars, is some­thing that draws a lot of inter­est and demand,” she added. Stel­lar aims to lever­age its sys­tem in such a way that makes it both acces­si­ble and easy to use for peo­ple and busi­ness­es all over the world.

Anoth­er promi­nent fea­ture of Stel­lar is that it gives pow­er to the com­mu­ni­ty to decide what project(s) the blockchain should focus on. 

We will now briefly give an overview of the key per­for­mance indi­ca­tors of XLM such as price and mar­ket cap­i­tal­iza­tion. We will then sum­ma­rize what the world’s lead­ing cryp­to-ana­lysts have to say about the future of this cur­ren­cy, along with its Fear & Greed Index.

XLM’s Price, Market Cap, and everything in between

XLM’s price has hiked sig­nif­i­cant­ly over the last few years. Back in 2018–2019, it kept falling below its pre­vi­ous ATH of around $0.93 (record­ed in ear­ly Jan­u­ary 2018). It was only in 2021 that its price again began to rise, hit­ting a price lev­el of over $0.7 around mid-May. How­ev­er, as the cryp­tocur­ren­cy mar­ket col­lapsed in the sec­ond quar­ter of 2022, XLM went into a bear­ish dive. 

At the time of writ­ing, it was trad­ing at $0.089, with a mar­ket cap­i­tal­iza­tion of a lit­tle below $2.28 billion. 

Source: Trad­ingView

The mar­ket cap­i­tal­iza­tion of the cryp­tocur­ren­cy fol­lows its price trends through­out. In ear­ly Jan­u­ary 2018, it was near­ly $9 bil­lion and it sky­rock­et­ed to as high as $16.5 bil­lion (May 2021) dur­ing the cryp­to-boom of 2021. In fact, it was per­form­ing fair­ly well in 2022 too until the mar­ket crashed dur­ing the year’s sec­ond quarter. 

Stel­lar has seen many growth spurts over the past few years, such as when Mer­ca­do Bit­coin announced its use of the plat­form. In less than a year, Stel­lar housed almost 3 mil­lion user accounts. Since that time, how­ev­er, Stel­lar has built a net­work of part­ners that includes Flut­ter­wave and MoneyGram.

XLM’s 2025 Predictions 

Read­ers should first be aware of cer­tain things about mar­ket pre­dic­tions. Dif­fer­ent cryp­to-ana­lysts may choose dif­fer­ent sets of para­me­ters to pre­dict the prices of cur­ren­cies. There­fore, it is self-evi­dent that their analy­ses and pre­dic­tions will wide­ly vary. Besides, none can fore­see cer­tain polit­i­cal or eco­nom­ic changes such as the ongo­ing Rus­sia-Ukraine cri­sis or China’s deci­sion to ban cryp­to-min­ing. Investors should there­fore con­duct their own research before decid­ing to invest in any cryptocurrency.

Nicole Will­ing is a finan­cial jour­nal­ist with over a decade of expe­ri­ence. She writes for the Cap­i­tal and she recent­ly claimed that the price of XLM has now sta­bi­lized after stum­bling in May due to the col­lapse of Terra.

In fact, accord­ing to Will­ing, the alt­coin could trade at around $0.325 by the end of 2025. Anoth­er AI-based fore­cast­er AI Pick­up pre­dict­ed the aver­age price of XLM in 2025 to be $0.14. 

A Changel­ly blog post added that many experts have observed the prices and fluc­tu­a­tions of XLM over the years, con­clud­ing that the cryp­to could go as high as $0.51 and as low as $0.42 in 2025. Its aver­age price will remain around $0.43 in the said year, it added, with poten­tial ROI of the alt­coin pro­ject­ed to be 292%. 

On the con­trary, Finder’s pan­el of experts are a lit­tle more opti­mistic about where they see XLM going in the next few years. While the aver­age pre­dic­tion for 2025 cen­tered around XLM being val­ued at $12.5, there were out­lier pre­dic­tions which places the crypto’s val­ue at $150 by the afore­men­tioned year.

XLM’s 2030 Pre­dic­tions 

The afore­men­tioned Changel­ly blog post also pre­dict­ed that the max­i­mum and min­i­mum prices of XLM in 2030 will be $2.97 and $2.56, respectively. 

Accord­ing to Willing’s pre­dic­tions, experts are both bull­ish and bear­ish in their assess­ment of the per­for­mance of XLM in 2030. Some pre­dict that it could go as high as $1.28 while some pre­dict that it won’t be able to hike over $0.352. 

On the con­trary, Tel­egaon writes that 2030 could be a year of change for the cryp­tocur­ren­cy mar­ket as many coins’ val­ues might reach their peaks dur­ing this peri­od. It is extreme­ly bull­ish in its fore­cast that the cryp­tocur­ren­cy might hit a max­i­mum lev­el of $31.02.

Finder’s pan­el, as expect­ed, was even more opti­mistic on this front. It pro­ject­ed a max­i­mum val­ue of $200 for XLM by the year 2030, with an aver­age price of $17.66 for the cryptocurrency.

Now, while the afore­men­tioned pro­jec­tions might sound crazy, there may be some log­ic to it too. Con­sid­er this – Many nation-states across the world are active­ly con­sid­er­ing Cen­tral Bank Dig­i­tal Cur­ren­cies (CBD­Cs). Stel­lar secur­ing a part­ner­ship with Ukraine to pro­vide a CBDC infra­struc­ture could be the cat­a­lyst it sore­ly needs. In fact, accord­ing to Finder,

“If suc­cess­ful, it may mean the project becomes the go-to infra­struc­ture provider for gov­ern­ments globally.”

Fur­ther­more, accord­ing to Dr. Iwa Salami,

“As an increas­ing num­ber of coun­tries around the world explore CBD­Cs, con­crete exam­ples of suc­cess­ful imple­men­ta­tion of these projects by blockchain tech­nol­o­gy firms is like­ly to increase the val­ue of their native cryp­tocur­ren­cies. As such, this may result in an increase in the price of XLM.”

Not everyone’s con­vinced though, with some like Pro­fes­sor John Hawkins claim­ing that such updates are unlike­ly to “save the coin.”

Even so, it’s worth point­ing out that most do see some pos­i­tive impact on XLM’s prices.

Source: Find­er

It was in March this year that Stel­lar stat­ed in its blog that it will launch Project Jump Can­non, an E&D ven­ture to intro­duce native smart con­tracts for its blockchain. The same month, it also intro­duced the Star­bridge project that would cre­ate bridges between Stel­lar and oth­er blockchains, enabling inter­op­er­abil­i­ty. If Stel­lar con­tin­ues to adopt more of such inno­va­tions and suc­ceeds in build­ing a larg­er com­mu­ni­ty, it would sig­nif­i­cant­ly increase its price by 2030. 

Con­clu­sion

The Stel­lar team plans to focus on three strate­gic build­ing blocks in 2022, viz. (i) increas­ing net­work scal­a­bil­i­ty and inno­va­tion, (ii) acti­vat­ing more net­work par­tic­i­pa­tion, and (iii) pro­mot­ing diver­si­ty and inclusion.

In June 2022, the sys­tem upgrad­ed Pro­to­col 19, build­ing pay­ment chan­nels and key recov­ery chan­nels. Stel­lar is also work­ing on Project Jump Can­non to facil­i­tate a robust exe­cu­tion envi­ron­ment for smart contracts. 

This year, many cryp­to exchanges such as WhiteBIT, Coin­Me, and Mer­ca­do Bit­coin enabled USD-backed sta­ble­coin trans­ac­tions, increas­ing access to USDC on Stellar. 

Stel­lar has, time and again, stressed its role in increas­ing finan­cial inclu­sion across the globe. In par­tic­u­lar, it focus­es on work­ing towards bet­ter micro-finance man­age­ment. It has part­nered with finan­cial insti­tu­tions like Fin­Clu­sive to make finan­cial trans­ac­tions over bank­ing net­works eas­i­er and seam­less. Today, it oper­ates in asso­ci­a­tion with a num­ber of finan­cial insti­tu­tions across the globe, shap­ing the future of a finan­cial sys­tem that is wel­com­ing to cryptocurrency. 

Any finan­cial insti­tu­tion can inte­grate with Stel­lar and avoid the has­sle of build­ing its own pay­ment gate­way. This facil­i­ty makes the process inno­v­a­tive and spe­cial­ized. Besides, the asso­ci­at­ed costs for both the plat­forms and its cus­tomers are incred­i­bly low, mak­ing Stel­lar the pre­ferred choice of many glob­al finan­cial insti­tu­tions. This inte­gra­tion con­nects these glob­al play­ers in such a way that inter­op­er­abil­i­ty and com­mu­ni­ca­tion among dif­fer­ent sys­tems are seamless. 

These devel­op­ments are cer­tain to boost Stellar’s cred­i­bil­i­ty among users. Besides, XLM is one of the most eco-friend­ly cryp­tocur­ren­cies. Its con­sen­sus mod­el is faster than both PoS and PoW, mak­ing it the pre­ferred choice of many investors. 

The Stel­lar net­work is con­sid­ered to be a rival to the Rip­ple net­work. While Rip­ple helps banks make fund trans­fers, Stel­lar helps indi­vid­u­als out­side the bank­ing sys­tem make fund trans­fers. Its sim­ple, swift, and eco­nom­i­cal process has made it very pop­u­lar among users across sev­er­al devel­oped countries. 

The unique fea­tures of Stel­lar such as strate­gic part­ner­ships and con­ve­nience make XLM one of the most reli­able cryp­to invest­ments. Its growth as a pay­ments net­work will be the most impor­tant fac­tor influ­enc­ing the future of XLM. 

A sig­nif­i­cant accom­plish­ment of Stel­lar is the inte­gra­tion of the glob­al finan­cial sys­tem while cut­ting fees. Stel­lar has a siz­able user base, which is not sur­pris­ing giv­en that it has become a cru­cial tool for enabling eco­nom­ic empowerment. 

Despite being embroiled in a legal dis­pute with the Secu­ri­ties and Exchange Com­mis­sion (SEC), Stellar’s Lumens coin is a major cryp­tocur­ren­cy to wager on.

Only a few days back, the Stel­lar Devel­op­ment Foun­da­tion (SDF) announced the launch of the Anchor Plat­form. The solu­tion is sup­posed to make it eas­i­er and faster than ever for busi­ness­es to con­nect to the blockchain. As a result, bank­ing and finan­cial insti­tu­tions will find it eas­i­er to con­nect to the Stel­lar net­work with reduced devel­op­ment cost and time. 

The SDF has also estab­lished a $100 mil­lion fund to encour­age devel­op­ers to cre­ate appli­ca­tions for the Soroban smart con­tract plat­form. Soroban adds Tur­ing-com­plete smart con­tracts to the Stel­lar blockchain, allow­ing devel­op­ers to cre­ate new finan­cial ser­vices rails on the network.

Stel­lar is a reli­able cryp­tocur­ren­cy that is a sig­nif­i­cant step above fiat mon­ey. It is also an improve­ment over pre­cious met­als, which can­not be wired over the internet.

It is impor­tant to note that XLM will be scarce in the future because Stel­lar does not intend to mint more cur­ren­cy. Its val­ue is bound to rise as it becomes more scarce. In such a case, XLM could become a poten­tial­ly prof­itable invest­ment asset.

As far as the F&G Index is con­cerned, well…

Source: Alternative.me



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