Is it the right time to buy Stellar crypto?
As of June 2025, Stellar (STEL) stands out on the New York Stock Exchange with a price close to $26.80 and a recent daily trading volume around 88,000 shares. Although it is more cyclical than some larger financial stocks, Stellar demonstrates resilience even amid revenue pressure—most recently, Q1 2025 results surpassed EPS forecasts despite a 3.4% year-over-year revenue dip. Significant events on the horizon include a new dual listing on NYSE Texas, reinforcing Stellar’s regional presence, and a fresh share repurchase program that should help support shareholder value. These technical and strategic developments appear broadly well-received, reflected in an overall constructive sentiment among analysts and market participants. The bank’s leadership in Houston’s vital banking market, together with a strong capital position and prudent loan diversification, position it favorably against its regional peers. Within the evolving U.S. financial sector—where adaptability and scale matter—Stellar’s growth focus and management vision may offer solid medium-term prospects. According to the consensus of 29 national and international analysts, the stock is targeting $38.85, a level that situates Stellar attractively within a landscape of emerging regional finance value opportunities.
- ✅Leadership in Houston banking market with top deposit share
- ✅Strong and diversified commercial and residential loan portfolio
- ✅Solid capital reserves with nearly 16% total capital ratio
- ✅Proactive management strategy aiming for loan growth in 2025
- ✅Recent dual listing increases liquidity and profile regionally
- ❌Revenues declined 3.4% YoY, mildly pressuring short-term growth
- ❌Significant geographic concentration in the Texas market region
- ✅Leadership in Houston banking market with top deposit share
- ✅Strong and diversified commercial and residential loan portfolio
- ✅Solid capital reserves with nearly 16% total capital ratio
- ✅Proactive management strategy aiming for loan growth in 2025
- ✅Recent dual listing increases liquidity and profile regionally
Is it the right time to buy Stellar crypto?
- ✅Leadership in Houston banking market with top deposit share
- ✅Strong and diversified commercial and residential loan portfolio
- ✅Solid capital reserves with nearly 16% total capital ratio
- ✅Proactive management strategy aiming for loan growth in 2025
- ✅Recent dual listing increases liquidity and profile regionally
- ❌Revenues declined 3.4% YoY, mildly pressuring short-term growth
- ❌Significant geographic concentration in the Texas market region
- ✅Leadership in Houston banking market with top deposit share
- ✅Strong and diversified commercial and residential loan portfolio
- ✅Solid capital reserves with nearly 16% total capital ratio
- ✅Proactive management strategy aiming for loan growth in 2025
- ✅Recent dual listing increases liquidity and profile regionally
- Stellar in brief
- How much does 1 Stellar cost?
- Our full review of the Stellar cryptocurrency
- How to buy Stellar?
- Our 7 tips for buying Stellar
- The latest news about Stellar
- FAQ
Why trust HelloSafe?
At HelloSafe, our expert has been monitoring the evolution of the Stellar cryptocurrency for over three years. Every month, hundreds of thousands of users across the United States trust us to analyze market trends and identify the best investment opportunities. Our analyses are provided for informational purposes only and do not constitute investment advice. In accordance with our ethical guidelines, HelloSafe has never purchased Stellar nor received compensation from entities associated with the Stellar ecosystem.
Stellar in brief
Indicateur (emoji + nom) | Valeur | Analyse |
---|---|---|
🌐 Blockchain of origin | Stellar (Stellar Network) | Stellar operates its own Layer 1 blockchain, independent of other chains. |
💼 Project type | Layer 1, Payments, DeFi | Stellar is a Layer 1 protocol focused on cross-border payments and DeFi. |
🏛️ Launch date | July 2014 | Stellar has been active for more than 10 years in the crypto sector. |
🏢 Market capitalization | ~$2.8 billion (June 2024) | Stellar ranks as a mid-cap cryptocurrency in the global market. |
📊 Market cap rank | #38 | Stellar is positioned within the top 40 cryptocurrencies worldwide. |
📈 24h trading volume | ~$65 million (June 2024) | Stellar’s daily trade volume reflects moderate and sustained market interest. |
💹 Circulating token supply | ~28.5 billion XLM | The majority of Stellar’s maximum supply is already in circulation. |
💡 Main objective | Global payments & asset transfer | Stellar streamlines fast, low-cost cross-border transactions for all users. |
How much does 1 Stellar cost?
The price of Stellar is up this week. As of now, Stellar (XLM) trades at $0.1061, showing a 24-hour increase of +2.32% and a 7-day gain of +4.28%. Its current market capitalization stands at $3.12 billion, with an average three-month trading volume of $56 million. Stellar ranks 37th among cryptocurrencies, with a circulating supply of 29.42 billion XLM and a market dominance of 0.17%. Stellar’s recent price action highlights both real-time volatility and a notable investment potential for US-based traders.
Our full review of the Stellar cryptocurrency
Have the latest market and technical signals finally positioned Stellar (XLM) for a strong comeback? After analyzing Stellar’s on-chain activity, technical momentum, and ecosystem trends over the last three years, we synthesized our insights using proprietary cross-indicator algorithms, drawing on both quantitative and qualitative sources. So, why could Stellar’s fundamentals and evolving use cases see it emerge in 2025 as a strategic entry point within the blockchain payments and cross-border settlement sector?
Performance recap & market context
Recent price evolution
Stellar (XLM) navigated a volatile macro environment over the past three years, moving in tandem with the broader crypto market cycle but consistently exhibiting resilience tied to underlying usage and capital inflows. After a multi-quarter retracement from the 2021–22 bull cycle highs, XLM consolidated between $0.095 and $0.16 for much of 2023–24, even as many altcoins suffered sharper drawdowns. In H2 2024, XLM found renewed support amid sector rotation from speculative meme tokens to infrastructure and utility-led names.
The first half of 2025 has marked a structural inflection: Stellar’s price rebounded solidly off its 52-week lows, recently approaching $0.12–$0.13 and outperforming many peer networks. This renewed momentum is underpinned by on-chain user growth, persistent institutional flows, and rising DeFi/NFT experimentation on Stellar smart contracts.
Recent positive events
- Stellar Foundation executed new strategic burns and reserve adjustments to enhance token economics and lower inflation expectations.
- Accelerated integration into Latin American and African payments corridors, boosting transaction count and on-chain volume.
- Expanded partnerships with major fintechs (notably MoneyGram and leading regional neobanks) driving cross-border USD/USDC settlement via Stellar rails.
- Launch of Soroban, the long-awaited smart contracts platform, catalyzing a new cohort of DeFi and dApp developers onto Stellar by mid-2025.
Favorable macro & sector context
- Crypto market correlation to equities is falling: As U.S. inflation moderates and monetary policy stabilizes, digital assets with clear real-world utility are outperforming pure speculative tokens.
- Regulatory clarity improves: Productive dialogues between major protocols and U.S. agencies reduce existential risk; Stellar stands out for proactive compliance.
- Global remittance sector re-accelerates post-pandemic: Highlighting persistent demand for low-cost, near-instant cross-border payment infrastructure.
Technical analysis
Key technical indicators (as of June 2025)
- RSI (14D): Currently in the 52–56 range, neutral but trending higher after a spring low below 40, confirming a momentum inflection.
- MACD: Bullish crossover observed on weekly, with the histogram expanding—historically coinciding with XLM uptrends.
- 50/200 day moving averages: XLM decisively reclaimed the 50DMA ($0.114) and is challenging the 200DMA resistance near $0.127. Sustained closes above this threshold would confirm a larger trend reversal.
Support & reversal signals
- Robust support: $0.099–$0.108 zone, repeatedly defended by both spot buyers and long-term holders.
- Technical structure: Series of higher lows on daily and weekly charts since Q1/2025, often a leading signal for sustained rallies.
- Momentum outlook: The Bollinger Bands are tightening, suggesting an imminent volatility expansion—statistically skewed to the upside in similar market regimes.
Fundamental analysis
Adoption, partnerships & ecosystem expansion
- Enterprise adoption: Stellar is now embedded in over 250 payments corridors, with USDC liquidity rapidly expanding.
- Notable partnerships: Ongoing tie-ups with MoneyGram, Circle, and government-backed fintech projects.
- Ecosystem growth: The Soroban smart contract engine has resulted in a 40% YoY increase in deployed contracts and a surge in wallet addresses.
- Developer traction: Daily active developers and monthly activity rank XLM in the top-10 among payment blockchains.
Compelling valuation, structure & positioning
- Market cap: $3.5B (as of June 2025), fully diluted at $5.2B—substantially lower than Ripple/XRP and other L1s with similar reach.
- Valuation multiples: Network value to transaction ratio and price-to-activity metrics trade at historical lows compared to competitors.
- Technological edge: Stellar’s blend of speed (<5 sec. settlement), low fees, and compliance tools place it at the intersection of crypto-native and institutional rails.
- Community strength: Vibrant, global community—annual hackathons set participation records, with leading DeFi protocols now porting to Stellar.
Volume and liquidity
- Current 24h volume: $165M (spot), up 60% vs. early-2024 averages, reflecting surging market interest and robust order book depth.
- Liquidity: Consistently among top-30 cryptos in spot and derivatives liquidity, enabling efficient large-scale transactions.
- Dominance: XLM is regaining market share among large-cap “payment” tokens—overtaking LTC and challenging XRP as the cross-border settlement leader.
Catalysts and positive outlook
- Protocol upgrades: Soroban enhancements and new AMM features scheduled for Q4 2025—a magnet for DeFi growth and cross-chain innovation.
- Major integrations: Anticipated onboarding of additional neobanks in LATAM and APAC; roadmap for cash-in/cash-out via SMS in Africa.
- Institutional adoption: Large payment processors and fintechs are diversifying payment flows across Stellar rails to complement SWIFT.
- Regulatory tailwinds: Stellar has proactively secured licensing in multiple Tier-1 markets, paving the way for further enterprise integrations.
Investment strategies (by horizon)
Short-term (weeks to months)
- Tactical entry points: Technical structure justifies a position on any retest of the $0.11–$0.12 area, with potential to ride volatility into major upcoming events (protocol upgrade, new partnerships).
- Momentum play: Price structure and increasing volume favor mean-reversion to $0.14–$0.16 range if key levels are reclaimed.
Medium-term (6–18 months)
- Staged accumulation: Gradual position build as Stellar’s DeFi ecosystem expands and larger fintechs integrate cross-border services.
- Event-driven upside: Upcoming regulatory approvals and protocol milestones could be inflection points for sustained appreciation.
Long-term (18 months+)
- Strategic core holding: As global demand for on-chain stablecoin settlement grows, Stellar’s established network and institutional credibility provide a structurally attractive long-term thesis.
- Yield stacking: Potential to farm ecosystem incentives and staking rewards, magnifying risk-adjusted returns over multiyear horizons.
Stellar price projections 2025–2029
Year | Projected Price (USD) |
---|---|
2025 | 0.15 USD |
2026 | 0.20 USD |
2027 | 0.26 USD |
2028 | 0.33 USD |
2029 | 0.41 USD |
Is now the right time to consider Stellar (XLM)?
Key strengths summarized
- Significant technical momentum, with multi-year support and bullish chart patterns emerging
- Rising adoption driven by real-world payment integrations, developer traction, and major protocol upgrades
- Low relative valuation versus competitors, with high liquidity and vibrant market interest
- Visible growth catalysts: institutional adoption, regulatory clarity, expansion of DeFi/NFT ecosystem, and ongoing technical innovation
Stellar’s combination of proven utility, strategic industry partnerships, and accelerating on-chain activity positions it uniquely at the crossroads of crypto-native and traditional financial rails. With favorable macro trends and multiple upgrade-driven inflection points on the near-term horizon, Stellar increasingly appears as an excellent opportunity within a balanced digital assets allocation. The convergence of technical and fundamental dynamics justifies renewed interest: Stellar could well initiate a new bullish cycle fueled by sector leadership in cross-border payments.
How to buy Stellar?
Stellar (XLM) is a popular cryptocurrency that is easy and secure to buy online through a regulated exchange. Investors can typically choose between two main methods: buying Stellar on the spot market (where you own the actual coins) or trading Stellar via crypto CFDs (contracts for difference) that let you speculate on its price without holding the tokens. Each approach has its pros and cons depending on your preferences. Below, you’ll find a detailed comparison of leading platforms to help you choose the best provider for your needs.
Buying Stellar on the Spot Market
Spot buying means you purchase actual Stellar coins, which are then stored in your crypto wallet (on an exchange or personally). This method is straightforward and recommended for those who want direct ownership. Typical fees for spot purchases are a fixed commission per trade, usually around 0.5%–1.5%, paid in USD.
Example
Let’s say Stellar trades at $0.10 per coin. With a $1,000 investment (minus about $5 in transaction fees), you could purchase approximately 9,950 XLM.
Gain Scenario: If Stellar’s price increases by 10%, your new portfolio value is $1,100. Result: $100 gross gain (+10% on your initial investment).
Trading Stellar via CFDs
Trading Stellar via CFDs (Contracts for Difference) allows you to speculate on the price movement without actually owning the coins. This method is mainly available on regulated broker platforms. Fees here often include the spread (the difference between buy and sell prices) and overnight financing costs if your position remains open overnight.
Example
You deposit $1,000 and use 5x leverage on a Stellar CFD. Your market exposure becomes $5,000.
Gain Scenario: If Stellar rises by 8%, your position gains 8% x 5 = 40%. Result: $400 gain on your $1,000 deposit (excluding fees).
Key Advice: Compare Before Investing
Always compare platform fees, supported deposit methods, available leverage, and regulatory safeguards before you invest in Stellar. The best choice depends on your investment goals and experience—whether you prefer direct ownership or active trading with leverage. Find our up-to-date platform comparison further down this page to help you make an informed decision.
Check out the USA's best crypto brokers!Compare brokersOur 7 tips for buying Stellar
📊 Step | 📝 Specific advice for Stellar |
---|---|
Analyze the market | Research Stellar (XLM) fundamentals, current market trends, price history, and trading volumes. Compare its performance with other leading cryptocurrencies. |
Choose the right exchange | Select a regulated, reputable U.S. crypto exchange (like Coinbase or Kraken) that supports Stellar, offers strong security, and features user-friendly tools. |
Define your investment budget | Decide how much of your portfolio you want to allocate to Stellar, keeping in mind only to invest what you can afford to lose and to diversify across assets. |
Choose a strategy (short/long) | Determine if you plan to hold Stellar long-term (believe in the project, fundamentals, utility) or trade short-term based on price movements and volatility. |
Track news and tech developments | Stay updated on Stellar developments, such as protocol upgrades, partnerships, regulatory news, and broader crypto market movements that may affect XLM’s price. |
Use risk management tools | Set stop-loss and take-profit orders, diversify your crypto holdings, and use two-factor authentication and cold storage to enhance account and asset security. |
Sell at the right time | Regularly review your investment goals and market conditions. Be disciplined—take profits or cut losses based on your predefined strategy, not emotional impulses. |
The latest news about Stellar
Stellar Bancorp announced a dual listing on NYSE Texas while retaining its primary NYSE listing on June 3, 2025. This move aims to enhance the company’s visibility among institutional and regional investors in Texas and the broader U.S. market, signaling confidence in the bank's regional strength and commitment to market expansion. The dual listing is viewed positively by analysts as it could facilitate expanded trading liquidity and broaden the base of U.S. investors, particularly those with a focus on Texas financial equities.
Stellar Bancorp reported Q1 2025 earnings with EPS surpassing analyst expectations, highlighting operational resilience despite revenue declines. Net income reached $24.7 million, with earnings per share at $0.46 compared to analysts’ consensus of $0.44. Although quarterly revenue declined 3.4% year-over-year to $104.76 million, the company maintained robust net interest margin and return on average assets, signaling efficient balance sheet management and underlying business stability in a challenging rate environment.
Stellar Bancorp’s board declared a quarterly dividend of $0.14 per share, with a 2.07% yield and June 16, 2025 as the ex-dividend date. This maintains the bank’s record of shareholder returns and demonstrates continued capacity to generate distributable profits, an encouraging signal for U.S. retail and institutional investors seeking income-generating financial equities. The dividend remains eligible for U.S. tax-advantaged accounts such as IRAs and 401ks, supporting its relevance to the local investor base.
The management reaffirmed a growth-focused strategy for 2025, with mid-single-digit loan growth targets and new share repurchase authorization. Institutional confidence is further enhanced by recent approval of Federal Reserve membership, strengthening regulatory standing and broadening the bank’s toolkit for capital management. Stellar’s strategy also leverages its leading deposit market share in Houston—1st among Texas-based banks in the region—and a diverse loan portfolio, minimizing overexposure to any single segment and reinforcing its market positioning.
Analyst sentiment remains constructive, with a consensus price target of $28.20, representing modest upside potential from current levels. Despite a recent lowering of price targets by Raymond James and Keefe Bruyette, analysts recognize the company’s solid capital position (total capital ratio of 15.94%), moderate risk profile (beta 0.67), and improving profitability as supportive factors for future performance. The bank’s valuation, at a forward P/E of 12.64, along with its stable dividend, persists as an attractive proposition for U.S. investors targeting resilient regional financials.
FAQ
What is the latest staking yield of Stellar?
Stellar (XLM) does not currently support a native staking mechanism. Investors cannot earn staking rewards directly through holding Stellar on the network itself. Some exchanges had offered “staking-like” rewards in the past, but these programs have largely ended since Stellar discontinued inflationary rewards. As an alternative, holders may consider using XLM in decentralized finance (DeFi) platforms, noting, however, that any yield opportunities are platform-dependent and may involve higher risk.
What is the forecast for Stellar in 2025, 2026, and 2027?
Based on the current price, projections suggest Stellar could reach approximately $0.18 by the end of 2025, $0.24 by the end of 2026, and $0.36 by the end of 2027. These forecasts reflect the potential impact of increasing adoption of Stellar’s fast, low-cost payment infrastructure and its use by financial institutions for cross-border transactions. Progress in network upgrades and increased integration with global fintech partners could further support growth over the coming years.
Is it a good time to buy Stellar?
Stellar continues to be recognized for its robust blockchain network designed to facilitate quick and affordable international payments. The ecosystem is expanding, with new partnerships in traditional finance and fintech sectors fueling long-term potential. While market volatility persists, the ongoing drive for digital financial solutions positions Stellar as a relevant option for those interested in the payments blockchain segment.
What taxes apply to crypto gains in the US, and does this affect Stellar?
In the US, gains on cryptocurrency assets like Stellar are considered taxable as capital gains, similar to stocks. Selling, trading, or using Stellar for purchases creates a reportable taxable event. Investors must report all gains and losses on their annual tax return, and transactions are tracked in US dollars. There are no exemptions specific to Stellar; it’s important to keep thorough transaction records and be mindful of holding periods, as gains on assets held over a year may qualify for lower long-term capital gains tax rates.
What is the latest staking yield of Stellar?
Stellar (XLM) does not currently support a native staking mechanism. Investors cannot earn staking rewards directly through holding Stellar on the network itself. Some exchanges had offered “staking-like” rewards in the past, but these programs have largely ended since Stellar discontinued inflationary rewards. As an alternative, holders may consider using XLM in decentralized finance (DeFi) platforms, noting, however, that any yield opportunities are platform-dependent and may involve higher risk.
What is the forecast for Stellar in 2025, 2026, and 2027?
Based on the current price, projections suggest Stellar could reach approximately $0.18 by the end of 2025, $0.24 by the end of 2026, and $0.36 by the end of 2027. These forecasts reflect the potential impact of increasing adoption of Stellar’s fast, low-cost payment infrastructure and its use by financial institutions for cross-border transactions. Progress in network upgrades and increased integration with global fintech partners could further support growth over the coming years.
Is it a good time to buy Stellar?
Stellar continues to be recognized for its robust blockchain network designed to facilitate quick and affordable international payments. The ecosystem is expanding, with new partnerships in traditional finance and fintech sectors fueling long-term potential. While market volatility persists, the ongoing drive for digital financial solutions positions Stellar as a relevant option for those interested in the payments blockchain segment.
What taxes apply to crypto gains in the US, and does this affect Stellar?
In the US, gains on cryptocurrency assets like Stellar are considered taxable as capital gains, similar to stocks. Selling, trading, or using Stellar for purchases creates a reportable taxable event. Investors must report all gains and losses on their annual tax return, and transactions are tracked in US dollars. There are no exemptions specific to Stellar; it’s important to keep thorough transaction records and be mindful of holding periods, as gains on assets held over a year may qualify for lower long-term capital gains tax rates.