Should You Buy Stellar in 2025?

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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

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

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.

Our 7 tips for buying Stellar

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

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.