Stellar (XLM) is a decentralized payments protocol designed for fast, low-cost cross-border transfers—and it raises a major question among investors: can XLM reach $10 in the long term? Launched in 2014 by Jed McCaleb and operated by the Stellar Development Foundation, Stellar enables global interoperability between digital assets and fiat currencies. Through the Stellar Consensus Protocol (SCP), it provides near-instant settlement, making it a preferred network for fintechs, stablecoins, CBDCs, and emerging-market remittance services.

Market Overview of Stellar (XLM)

Stellar Lumens (XLM) operates as a bridge asset between currencies. According to CoinMarketCap data (as of June 2025), XLM holds a market capitalization exceeding $5.2 billion, with a circulating supply of 27.7 billion tokens. The token reached an all-time high of $0.93 in January 2018 and trades below $0.20 in 2025. XLM is listed on Binance, Coinbase, Kraken, Bitfinex, and other major exchanges. The asset ranks among the top 30 cryptocurrencies by market cap.

Key Drivers of Stellar’s Price

Network Utility

Stellar facilitates cross-border payments at low cost. Partnerships with IBM, MoneyGram, Circle (USDC), and Tempo France position Stellar in both retail and institutional corridors.

Adoption in Developing Markets

Stellar’s APIs support mobile finance solutions in Africa, South America, and Southeast Asia. The network enhances remittance efficiency for underbanked populations.

Stablecoin Integration

Stellar supports USDC and EUROC on-chain. These assets increase liquidity and enable compliant stablecoin rails for fintech applications.

Regulatory Environment

Stellar complies with FATF, FinCEN, and MiCA regulations. KYC/AML infrastructure on the Stellar Anchor system ensures institutional accessibility.

Stellar (XLM) Price Prediction 2024

In 2024, Stellar’s price remains influenced by broader market sentiment and macroeconomic signals such as U.S. Fed interest rate decisions, Bitcoin halving effects, and institutional crypto adoption.

Price Forecast:

• Minimum Price: $0.13

• Average Price: $0.17

• Maximum Price: $0.22

Market Catalysts:

• Fed’s dovish policies may drive liquidity to risk assets.

• Stellar USDC expansion to new markets improves transaction volume.

• Increase in fiat on-ramps through MoneyGram and fintech APIs.

Stellar (XLM) Price Prediction 2025

By 2025, Stellar may evolve into a primary corridor for CBDC pilot deployments. Several central banks are testing interoperability through permissioned Stellar chains.

Price Forecast:

• Minimum Price: $0.25

• Average Price: $0.34

• Maximum Price: $0.49

Growth Factors:

• Integration of Stellar with IMF-backed digital currency initiatives.

• Expansion of Stellar-based remittance corridors with Latin American countries.

• Increased usage of Stellar Anchors for tokenizing fiat currencies.

Stellar (XLM) Price Prediction 2030

By 2030, Stellar could function as an interbank liquidity protocol. XLM may become critical infrastructure for international payment routing, especially for tokenized assets.

Price Forecast:

• Minimum Price: $1.21

• Average Price: $2.40

• Maximum Price: $4.80

Growth Vectors:

• Strategic integration with CBDCs by the Bank of England, BIS, and ASEAN regulators.

• Stellar’s use in tokenizing real estate and equities increases utility.

• Increased smart contract support via Soroban expands dApp ecosystem.

Can XLM Reach $10?

XLM reaching $10 implies a market cap of approximately $277 billion (based on current supply). This outcome requires several macro-level and project-specific shifts:

• Full-scale CBDC adoption on Stellar by global regulators.

• Replacement of SWIFT-based infrastructure in developing nations.

• Significant retail and institutional capital inflow matching Ethereum’s early adoption curve.

Historical Reference:
Ethereum (ETH) grew from $0.30 in 2015 to $4,800 in 2021. Stellar must replicate such growth via sustained enterprise use cases, global utility, and capital markets integration.

Conclusion:
Yes, XLM can reach $10, but the probability depends on mass institutional usage, regulatory alignment, and major global integrations over the next decade.

Fundamental Analysis

Stellar vs. Ripple (XRP)

Both focus on cross-border payments. Ripple is bank-centric, Stellar is retail and fintech-focused. Stellar’s open-source model gives it greater adoption flexibility, especially among developers.

Tokenomics

Total supply of XLM is capped at 50 billion. There is no mining; tokens are distributed via network grants. Low inflation risk supports long-term price stability.

Governance

Stellar Development Foundation (SDF) operates transparently with quarterly reports. SDF allocates reserves for ecosystem growth, protocol upgrades, and enterprise partnerships.

Technical Analysis: Support & Resistance

MACD crossover and Fibonacci retracement levels suggest consolidation through 2025, with breakout potential from mid-2026.

Use Cases Expanding XLM Utility

1. Cross-Border Remittance

Stellar supports low-cost remittance for developing markets with sub-$0.001 fees per transaction.

2. Tokenization

Financial institutions use Stellar for issuing tokenized fiat, real estate, and commodities.

3. NFT and dApp Development

With Soroban smart contracts, Stellar supports NFT marketplaces and DeFi apps.

4. Institutional Payment Rails

MoneyGram, Circle, and Flutterwave utilize Stellar’s Anchors for regulated payments.

Investor Sentiment

Santiment and LunarCrush data show moderate social sentiment but rising whale accumulation. On-chain metrics indicate stable wallet growth and decreasing exchange supply, suggesting accumulation.

Roadmap Milestones

• Q2 2024: Soroban mainnet deployment complete

• Q4 2024: Expanded USDC rails into Africa

• 2025: CBDC partnerships with at least two central banks

• 2026: Stellar-based fintech solutions launched in India and Brazil

• 2028–2030: Full integration with ISO 20022 messaging standards

Key Entities in Stellar Ecosystem

• Stellar Development Foundation (SDF): Governance, grants, ecosystem coordination

• Circle: USDC stablecoin issuer on Stellar

• MoneyGram: On/off-ramp provider

• IBM: Cross-border remittance partner via World Wire

• Tempo France: EU corridor operator

• Flutterwave: Africa-focused payment integration

• Franklin Templeton: Tokenized money market fund using Stellar

Summary: Is Stellar a Strong Long-Term Play?

Stellar’s growth is powered by regulated stablecoin rails, enterprise-grade remittance corridors, and growing smart contract support. The network continues to strengthen its position as a bridge between fiat and crypto ecosystems.

The token’s price projection remains bullish across all timelines. While speculative, the question “can XLM reach $10” reflects long-term investor belief in Stellar’s cross-border infrastructure vision.