Should You Buy Stellar in 2025?

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 in Ireland trust us to analyse 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 policy, HelloSafe has never purchased Stellar nor received compensation from entities associated with its ecosystem.

Stellar at a glance

How much does 1 Stellar cost?

The price of Stellar is up this week. As of today, XLM trades at approximately €0.245, showing a 1.98% increase over the past 24 hours and a slight uptick of 2.1% over the last seven days. Stellar holds a market cap of around €7.66 billion, ranking #16 globally, with an average daily trading volume between €139 million and €232 million in the last three months. The current supply in circulation stands at 31.18 billion XLM, and Stellar represents about 0.38% of the total crypto market.

Given persistent short-term volatility, Stellar’s robust fundamentals and strong institutional partnerships may offer unique opportunities for investors in Ireland seeking exposure to innovative blockchain assets.

Our complete opinion on the cryptocurrency Stellar

Have we truly captured the full return potential of Stellar in today’s market? After an in-depth review of the latest Stellar trends and its multi-year evolution, we leveraged a blend of proprietary algorithmic analyses—across on-chain indicators, technical signals, market data, and sector rivalries. So, why might Stellar represent a strategic entry point on the cross-border payments and digital asset tokenization scene in 2025?

Performance Overview and Market Context

Recent Price Evolution

Stellar (XLM) is currently trading at $0.2658, ranking #16 in global market capitalization, with a market value exceeding $8.29 billion as of June 2025. Over the past three years, XLM has exhibited cyclical volatility, marked by a notable resilience during bearish phases and an ability to attract renewed market attention in upswings. Although technicals reflect recent downward pressure (sub-$0.30 trading zone), the price's strong reaction in the $0.22–$0.25 support area signals underlying demand, often coinciding with high-volume positioning from sophisticated investors.

The asset’s liquidity remains robust, with daily trading volumes ranging between $150M–$250M across major exchanges—demonstrating sustained investor confidence and efficient price discovery. Over the last 24 hours alone, XLM saw $111.5M in trading activity, reinforcing its standing among the most liquid crypto-assets.

Positive Recent Events

• The reinforced Mastercard integration, with Crypto Credential deployment, is fueling confidence in institutional-grade compliance and seamless fiat-to-crypto usability.
• MoneyGram’s direct on/off-ramp for USDC continues to scale globally, directly leveraging the Stellar network.
• High-profile collaborations—Circle (USDC) and asset tokenization leader Franklin Templeton—are cementing Stellar as a critical backbone for both payments and real-world asset (RWA) digitization.

Macro and Sector Backdrop

• Accelerating global interest in cross-border payment rails intensifies demand for cost-efficient, borderless currencies.
• Regulatory developments increasingly clarify the playing field for major protocols with clear non-profit governance structures.
• A sector-wide rotation toward DeFi, RWA tokenization, and interoperability continues to spotlight projects with proven throughput and institutional partnerships, all areas where Stellar excels.

Technical Analysis

Relevant Crypto Indicators & Structure

• RSI (14d): Currently at 43.06, reflecting a neutral—neither overbought nor oversold—state, often interpreted as a “reset” before stronger directional moves.
• MACD: At -0.005645, giving a modest bearish signal, but approaching levels that historically precede upward reversals after consolidation phases.
• Moving Averages:
• Short-term (10, 20, 50 days) range: $0.2674–$0.2796—all above or near the current price, suggesting the recent pullback may soon exhaust itself.
• Long-term (200 days): $0.3377, providing a mid-term upside magnet if price reclaims strength above resistance.

Key Technical Zones Primary support: $0.22–$0.25—areas of repeated buying interest, confirmed by volume clusters. Main resistance: $0.30—a clean breakout point that could act as a technical trigger for more aggressive inflows.

Momentum Outlook Structure remains coiled within a broad basing pattern, with momentum likely to shift rapidly on any macro or protocol-level catalyst. While the prevailing short-term trend appears corrective, the medium- and long-term formation sets the stage for breakout positioning—especially for investors comfortable entering early during network expansion cycles.

Fundamental Analysis

Adoption, Partnerships & Ecosystem Growth

• Adoption: Over 31.18 billion XLM in circulation, Stellar is embedded in global remittance corridors, fintech platforms, and enterprise-grade integrations—evident in MoneyGram and Circle’s scaling projects.
• Partnerships: Institutional tie-ins with Mastercard, Circle, MoneyGram, and Franklin Templeton—each facilitating high-value, visible use cases far beyond purely speculative flows.
• Ecosystem: The expansion of Soroban smart contracts, DeFi modules, and $470M+ in tokenized assets signals a platform in evolutionary overdrive—with a roadmap targeting $5B in tokenized value by YE 2025.

Attractive Valuation Metrics

• Market Cap: $8.29B; Fully Diluted: $13.28B—placing Stellar in a highly competitive band, yet with substantial headroom compared to peers in payments and tokenization.
• Relative Undervaluation: XLM’s price-to-activity and price-to-network effect ratios remain compelling versus cross-border competitors and DeFi incumbents.
• Sector Ranking: As a top-20 digital asset by capitalization and volume, XLM offers attractive risk-adjusted exposure—combining large-cap liquidity with growth optionality.

Structural Strengths

• Near-zero fees and sub-five second settlement times enable real-world adoption—critical for institutional partners.
• The Stellar Consensus Protocol (SCP) delivers unique decentralization and security trade-offs, prized by compliance-centric organizations.
• An active, globally distributed community ensures network governance remains agile, while Stellar’s nonprofit organizational structure bolsters its regulatory “investability.”

Volume and Liquidity

• Consistently high exchange volumes ($111–$250M daily) are testament to acute market interest and low slippage, empowering institutional and retail entries.
• XLM’s continual listing on top exchanges, frequently in deepest liquidity pools, cements its blue-chip crypto status and underpins steady demand.

Dominance & Competitive Positioning

• Stellar retains a clear edge in cross-border settlement—a sector witnessing double-digit CAGR through 2029.
• Its head-to-head positions against Ripple (XRP) and Ethereum layer-2s underscore its ability to compete via both specialization (payments) and ecosystem adaptability (DeFi, RWAs).

Catalysts & Positive Outlook

• Major protocol upgrades (Soroban smart contracts, scalability enhancements) due by late 2025 and beyond.
• Continued enterprise adoption—especially if Franklin Templeton’s $1.7T asset management program or Mastercard’s stablecoin rollout scales on Stellar rails.
• Regulatory clarity in the US and EU for non-profit, infrastructure-layer chains creates additional tailwinds.
• The ongoing RWA (real-world asset) wave is set to benefit platforms already recognized for institutional trust—Stellar foremost among them.

Investment Strategies (By Investment Horizon)

Short-Term

• For tactical investors, current price action near primary supports ($0.22–$0.25) could present a favourable risk/reward entry, targeting upside on immediate technical reversals or protocol-related news.
• Surges in volume or successful network events (new partnerships, major asset launches) could be opportunistically leveraged for swing positions.

Medium-Term

• The next 6–18 months coincide with ambitious roadmap milestones—most notably, expanded Soroban functionality, MoneyGram’s global service ramp, and institutional RWA launches.
• Investors accumulating on cyclical pullbacks ahead of these events could capture asymmetric upside, especially if catalysts align.

Long-Term

• Stellar’s sector position—bridging traditional finance, payments, and DeFi—is fortified by blue-chip partnerships and a demonstrable track record of technological innovation.
• As the tokenization trend accelerates, and regulatory support for network-layer chains matures, holding XLM through multiple cycles could yield exponential returns as adoption metrics scale.

Optimal Positioning

• Averaging in during price consolidations or technical pullbacks may optimize entries.
• For conviction investors, staggered accumulation ahead of confirmed protocol releases or new enterprise integrations could deliver high-conviction exposure to sector expansion.

Stellar Price Projections Table

Is Now the Right Time to Consider Stellar?

Stellar presents a confluence of strong fundamentals, strategic partnerships, and deep liquidity—creating a fertile environment for renewed interest. The asset’s repeated resilience at key support zones, coupled with upcoming protocol upgrades and tangible real-world integrations, result in a scenario where the network appears poised for outsized growth relative to current valuations.

Key strengths reinforcing this positive outlook include:

• Large cap status and consistently high market liquidity
• Ongoing institutional adoption traction (Mastercard, MoneyGram, Franklin Templeton, Circle)
• Highly competitive fee and settlement performance
• Aggressive expansion into DeFi, RWA, and tokenized asset sectors, supported by dedicated technical upgrades (Soroban)
• Regulatory alignment and nonprofit structure—mitigating some sector-specific policy risks

While near-term technical headwinds remain, the breadth of adoption and development on Stellar’s rails fundamentally justifies renewed attention. Its positioning within the rapidly maturing blockchain payments and asset tokenization space means Stellar could well be entering a decisive new bullish phase, particularly for strategic investors able to capture value through the anticipated protocol and ecosystem growth.

In summary, Stellar remains a high-volatility crypto asset that offers excellent potential for dynamic investors, albeit requiring diligent risk management. The recent price stabilization and institutional momentum underline Stellar’s capacity to generate swift, powerful market repricings, while evolving macro conditions suggest staying selective will be key. The $0.22–$0.25 support and $0.30 resistance act as immediate technical pivots, and the approaching round of protocol upgrades in H2 2025 may serve as significant catalysts propelling future price action. For portfolios seeking calculated exposure to sector-leading digital payment and tokenization networks, Stellar seems to represent an opportunity worthy of serious consideration.

How to buy Stellar?

It’s simple and secure to buy the cryptocurrency Stellar (XLM) online through a regulated platform, even for first-time investors in Ireland. There are two main ways to access Stellar: you can buy it directly (“spot” purchase), owning the actual coin in your wallet, or you can trade it via CFDs (Contracts for Difference), which let you speculate on the price without owning the asset. Both approaches have their own advantages, which we compare in detail below. Before you choose, check the platform comparison further down the page to find the best fit for your needs.

Spot Purchase (Direct Stellar Ownership)

Buying Stellar “on the spot” means you directly purchase XLM coins, which you can then store in a secure wallet of your choice. This gives you full ownership and flexibility: you can hold, transfer, or sell your Stellar at any time. Typical fees on regulated Irish or EU-based platforms are around 0.5% per transaction, often with a small fixed fee in EUR.

Example

Suppose the current price of Stellar is €0.25 per XLM. Investing €1,000 (minus a €5 transaction fee) allows you to acquire roughly 3,980 XLM coins.
- Gain Scenario: If the XLM price rises by 10%, your holding would be worth €1,100.
- Result: That’s a gross gain of €100, or +10% on your initial investment.

CFD Trading on Stellar

CFD trading lets you speculate on Stellar’s price movement without actually owning the coins. You open a position (long or short) based on where you think the price is headed, often using leverage to amplify potential gains or losses. Fees typically include a spread (the difference between buy and sell prices) and overnight financing charges if you keep your position open for more than a day.

Example

You open a CFD position on Stellar with €1,000 and use 5x leverage. You’re now exposed to €5,000 worth of Stellar on the market.
- Gain Scenario: If Stellar gains 8% in price, your CFD position returns 8% × 5 = 40%.
- Result: That’s a €400 gain on your €1,000 margin (before fees).

Final Advice

Before investing, it’s essential to compare fees and the terms offered by each platform—transaction costs and leverage conditions can significantly affect your results. Your choice between owning real XLM and trading via CFDs should be guided by your financial goals and your level of experience. For further help, you’ll find a detailed platform comparator lower on this page to help you decide with confidence.

Our 7 tips for buying Stellar

The latest news from Stellar

Stellar has strengthened its global reputation by expanding its strategic partnership with Mastercard via the Crypto Credential system. This collaboration aims to enhance transaction security and regulatory compliance for crypto payments, especially cross-border. The deployment of Mastercard Crypto Credential directly benefits users in Ireland by connecting local and international financial institutions to a robust blockchain infrastructure, making Stellar’s rails more appealing to Irish businesses seeking global transaction efficiency and regulatory alignment.

Rapid tokenized asset growth on Stellar supports investor confidence, with $470 million currently tracked and a target of $5 billion by end 2025. The ongoing increase in tokenized assets, coupled with the involvement of major firms like Franklin Templeton for asset management, highlights Stellar’s concrete adoption by major financial players. Irish asset managers and fintech startups are observing this trend, especially as Dublin cements its reputation as an EU hub for tokenization innovation, making Stellar a credible infrastructure option locally.

Stellar’s integration of USDC and MoneyGram’s global crypto-to-cash services boosts on/off-ramp accessibility for Irish users. By offering seamless USDC transfers and real-world cash exchange services, Stellar provides a user-friendly bridge between digital and fiat currencies. This infrastructure is directly relevant in Ireland, where the major fintech sector and incoming European MiCA regulations increase demand for compliant crypto-fiat solutions.

On the technical side, Stellar’s price has shown short-term consolidation with neutral-to-bearish signals, but retains solid long-term fundamentals. The current XLM price hovers at $0.2658 with a slight 24h uplift; trading signals point to near-term pressure. However, the fundamentals—like ultra-low fees, sub-five-second transaction settlements, and the foundation’s commitment to scalability—continue to attract institutional and retail interest from Ireland, where cost efficiency and speedy remittances are important.

Stellar’s continuous improvement of its DeFi ecosystem through Soroban smart contracts creates new opportunities for Irish developers and startups. The platform’s focus on usability and scalability in its 2025 roadmap—inclusive of secure, low-cost smart contracts—supports rapid financial product innovation. With Ireland’s tech scene and regulatory openness, these advances position Stellar as an attractive network for local DeFi experimentation and enterprise-grade financial solutions.

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.