Stellar Lumens (XLM) is a fast, low-cost blockchain 🌐 optimized for cross-border payments and remittances. Focused on financial inclusion in emerging markets (Africa, LATAM, SE Asia). Market cap ~$7.8–$8B; trades ~$0.24–$0.25.
Key Metrics
Active Wallets: 10M+; 60K daily users
TVL/Volume: $145M TVL; $4B RWA payments Q2 2025 💸
Speed/Fees: 3–5 sec finality; $0.00001 per tx
Partnerships: MoneyGram, Visa, PayPal, Franklin Templeton, IBM World Wire
Strengths
Bridge currency for multi-currency transfers
Scalable via Stellar Consensus Protocol & Protocol 23
Retail/remittance leader; XRP more institutional-focused 🔗
Challenges
Niche adoption; <1% global cross-border market
Regulatory costs rising + CBDC competition
Token concentration: top 10 wallets hold ~50% ⚠️
Price & Outlook
Trading: $0.24–$0.25; support $0.22–$0.24, resistance $0.26
Projections: Conservative $0.30–$0.60 | Bull $1.50 by end-2025 📈
Summary
XLM excels in accessible, inclusive payments, strong RWA integrations, and low fees. Undervalued with potential to scale in emerging markets and DeFi adoption 🌍
#Stellar #XLM #Remittances #FinancialInclusion #CrossBorder
