Should You Buy Stellar in 2025?

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At HelloSafe, our expert has been closely monitoring the evolution of Stellar cryptocurrency for over three years. Each month, hundreds of thousands of users in India 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 any compensation from entities associated with its ecosystem.

Stellar in brief

How much does 1 Stellar cost?

The price of Stellar is up this week. As of now, XLM is trading at approximately ₹22.13, showing a 2.82% increase over the last 24 hours, while weekly performance remains variable. Stellar's current market capitalization stands at about ₹68,300 crore, with a 3-month average daily trading volume between ₹1,650 and ₹2,060 crore.

Stellar’s volatility and strong institutional partnerships make it a project to watch for both cautious and adventurous investors in India.

Our full review of the cryptocurrency Stellar

Have we truly grasped the resurgence potential of Stellar (XLM) in the rapidly evolving digital asset landscape? After a comprehensive review of Stellar's performance over the last three years—leveraging on-chain analytics, robust technical signals, market data, and an in-depth study of its competitive ecosystem through our proprietary algorithms—the underlying dynamics are more compelling than ever. So, why could Stellar once again represent a strategic entry point for global payment infrastructures, DeFi, and the tokenization sector in 2025?

Stellar’s Recent Performance & Market Context

Price Evolution and Recent Momentum

Stellar (XLM) is currently trading at $0.2647 USD, reflecting a notable journey marked by a significant correction from its cyclical high of $0.64 in November 2024. The digital asset has demonstrated resilience, recently seeing an intraday gain of +2.82%. This stabilization is occurring amid an industry-wide recalibration, as speculative excesses fade and capital rotates toward robust blockchain protocols with genuine adoption. Over the past three years, XLM’s price trajectory has mirrored high-beta crypto cycles: phases of exuberance, sharp consolidations, and renewed bases, all supported by sustained trading volumes in the $200-250 million USD daily range—a clear signal of continued institutional and retail interest.

Major Positive Events

Momentum in 2024-2025 has been reinforced by high-caliber partnerships, including the strategic Mastercard tie-up for Crypto Credential, integrations with Paxos, Ondo, Etherfuse, and SG Forge, as well as collaborations with global organizations like the United Nations Development Programme. Stellar’s Q4 2024 metrics highlight its structural strengths, with 18B operations executed on-chain, $32B in total payments, and a TVL surge on Soroban smart contracts from $7M to $52M (+640%). Such growth aligns with sector tailwinds toward real-world asset (RWA) tokenization and borderless payments.

Favorable Macro and Sectorial Backdrop

Investors are rediscovering the payment and settlement blockchains as regulatory clarity improves and institutional adoption accelerates. The sectoral macro context remains constructive: DeFi continues its evolution; real-world use cases (such as cross-border finance and RWA) are scaling rapidly, and global demand for low-fee, high-throughput networks is pushing protocols like Stellar back into the spotlight. Against this context, Stellar’s combination of enterprise-grade partnerships, low transaction costs, and global infrastructure is especially relevant for Indian and international investors eyeing digital financial rails.

Technical Analysis

On-Chain and Price Action Indicators

• Relative Strength Index (RSI): 41.75 (neutral), suggesting a market in the process of base-building after an extended pullback, with room for upward momentum.
• MACD (12,26,9): Slightly above the signal line (>−0.01), flashing a tentative early bullish reversal signal—a pattern often observed at pivotal inflection points.
• Moving Averages: The 20, 50, 100, and 200-day moving averages ($0.27–$0.34) are still exerting downside pressure, but price action is currently consolidating just above strong support ($0.25–$0.26). Historically, such alignment has pre-empted trend reversals in oversold large cap cryptos.

Support & Reversal Signals

• Critical Support: $0.25–$0.26 remains the immediate price floor, validated by recent higher lows and strong trading volumes.
• Resistance Breakout Potential: $0.27–$0.28 (20 & 50-day MA zone) represents the immediate resistance; decisive breakout above this band, following a MACD confirmation, could drive a medium-term reflation phase.
• Momentum Structure: The convergence of flattening RSI, uptick in daily volumes, and a positive MACD divergence supports a scenario where Stellar could transition from accumulation to reaccumulation, favoring a price expansion into Q3–Q4 2025.

Fundamental Analysis

Adoption, Ecosystem Growth, and Partnerships

• Network Utilization: With 18B cumulative on-chain transactions and $32B+ in processed payments, Stellar maintains its position as a leading settlement layer, especially for remittances and borderless micropayments.
• Developer & Ecosystem Expansion: Ranking as the 9th fastest growing blockchain by developer activity and attracting 500+ new developers over the preceding year, Stellar’s growth outpaces many competitors in the payment niche.
• Strategic Partners: Partnerships with blue-chip entities—Mastercard, Paxos, major financial institutions—endorse both the technical and regulatory credentials of the protocol, facilitating further enterprise and institutional onboarding in 2025 and beyond.
• DeFi & RWA Leadership: Soroban, Stellar's smart contract platform, is catalyzing DeFi and RWA tokenization. Its spectacular TVL growth (+640%) attests to traction and developer confidence.

Valuation and Market Standing

• Attractive Market Cap: With an $8.2B–$8.3B market cap, XLM trades at a substantial discount to higher-profile L1 competitors, yet boasts a comparable, if not more advanced, payment and asset issuance infrastructure.
• Fully Diluted Valuation (FDV): At current distributions (31.19B XLM circulating, with a max cap of 50B), Stellar’s FDV remains manageable, especially as supply expansion is non-inflationary due to the foundation’s nonprofit structure.
• Volume and Liquidity: Consistently elevated daily trading volumes reinforce XLM’s market appeal, providing both liquidity and ample entry points for large investors—a crucial advantage within the fast-moving crypto asset category.
• Dominance Among Payment Blockchains: Stellar is uniquely positioned versus Ethereum (high fees), Polygon, and newer entrants, given its optimized throughput and fee model, strategic alliances, and deep market penetration across multiple continents.

Structural Differentiators

• Technological Edge: Native cross-currency protocol, on-chain DEX, smart contracts via Soroban, and ultra-low network fees (staking out $126K total network fees in Q4 2024 on $32B transactions).
• Community and Governance: Backed by the Stellar Development Foundation and led by CEO Denelle Dixon, Stellar benefits from visionary stewardship and a growing, active community.
• Regulatory Positioning: Strategic alignment with global compliance requirements and active participation in regulatory dialogues ensures Stellar’s long-term viability.

Current & Prospective Catalysts

• Upcoming Protocol Upgrades: Protocol 22 is unlocking new privacy features and scalability enhancements, expanding Stellar’s appeal to both institutional players and DeFi power users.
• Institutional Adoption: The rapid expansion of real-world asset issuance, cross-border settlement integrations, and institutional DeFi opens up further upside.
• Favorable Regulatory Climate: As key markets, particularly in IN, clarify their approach to digital assets, established protocols with proven track records like Stellar are set to benefit disproportionately.
• Ecosystem Synergies: Expected growth in NFT, RWA, and DeFi involvement—not just by individuals but by traditional finance and major tech players—should fuel demand for XLM as both a utility token and a liquidity asset.

Investment Strategies: Short, Medium, and Long-Term Positioning

Short-term Approach (weeks–months)

• Technical consolidation near historical support, with an emerging bullish MACD pattern, represents a potentially attractive technical entry for momentum or swing traders.
• Breakout confirmation above $0.28 could unlock a rapid push toward the psychological $0.34 resistance zone.

Medium-term Perspective (months–1 year)

• Expected protocol upgrades (Protocol 22 roll-out), new high-profile partnerships, and impressive user/transaction growth suggest Q3–Q4 2025 could witness an outperformance cycle for Stellar.
• Increasing tokenization of real-world assets, especially in markets like India that seek low-cost cross-border rails, positions XLM as a top candidate for a rerating.

Long-term Outlook (1–5 years)

• Stellar’s unique blend of technical excellence, proven adoption, and a robust suite of partnerships creates a highly resilient value proposition for strategic digital asset allocation.
• Investors seeking exposure to the ongoing digitization of payments, future RWA growth, and ecosystem expansion will find Stellar’s current valuation and growth momentum particularly compelling.

Positioning Best Practices

• Historically, retracements toward the $0.25–$0.26 area have offered buying opportunities for patient investors.
• Taking positions ahead of major protocol updates or ecosystem launches can offer enhanced risk/reward profiles.

Price Projections for Stellar: 2025–2029

Is Now the Right Time to Buy Stellar?

Stellar’s investment thesis is underpinned by a combination of powerful technical catalysts, fundamental adoption, and a robust, cost-effective network that is increasingly at the heart of global payment and asset issuance innovation. Its ability to deliver 18B transactions at industry-leading fees, coupled with explosive growth in TVL, high-volume trading, and major corporate partnerships, indicates a project with enduring relevance and room for substantial appreciation. The network’s structural strengths—scalability, compliance alignment, and developer momentum—justify renewed and sustained investor focus.

With a price base consolidating near strategic support, a favorable macro backdrop, and multiple ecosystem catalysts in play, Stellar seems to represent an excellent opportunity for investors seeking exposure to the accelerating convergence of payments, DeFi, and real-world asset tokenization. As regulatory clarity improves and global capital flows reinvigorate the sector, Stellar could indeed usher in a new bullish phase—making now an opportune moment to consider serious allocation.

Stellar remains a highly volatile cryptocurrency that offers excellent opportunities for dynamic investment, but which requires disciplined risk management. The recent price acceleration demonstrates Stellar’s capacity for rapid and powerful moves, while the evolving macroeconomic context calls for selectivity and professional diligence. The immediate key technical levels to monitor are $0.25–$0.26 as support zones and $0.27–$0.28 as near-term resistance. The scheduled upgrade to Protocol 22 in Q3 2025 is likely to be a defining catalyst for Stellar’s forward trajectory.

How to buy Stellar?

It is simple and secure to buy Stellar (XLM) online via a regulated cryptocurrency platform, especially from India. As an investor, you can choose between two major methods: buying Stellar at spot price (for actual ownership) or trading Stellar via cryptocurrency CFDs (Contracts For Difference), which let you speculate on price without owning the actual coin. Both approaches have unique advantages and risks—understanding the difference is key before making an investment decision. Below, we detail these two methods and their typical costs; you can also find a full comparison of platforms further down this page.

Spot Purchase of Stellar

Buying Stellar at spot means you directly own the coins, which are stored in your digital wallet (either on the platform or externally). Typical fees include a flat commission per transaction (often 0.2–0.5%), usually charged in INR.

Example

If the current price of Stellar is $0.2647 USD (about ₹22 INR per coin, at $1 ≈ ₹83), investing ₹83,000 INR (approx. €1,000) would allow you to buy around 3,772 XLM coins. Assuming about ₹415 INR in transaction fees (~€5), you would receive the coins in your wallet after purchase.

✔️ Gain Scenario

If the price of Stellar rises by 10%, your wallet value increases to approximately ₹91,300. Result: a gross gain of ₹8,300 INR (+10%) on your initial investment.

Trading Stellar via CFD

CFD trading allows you to open positions on Stellar's price movements without owning the coin. With CFDs, you are charged a spread (the difference between buy/sell prices) and, if your position is open overnight, a small funding fee. Leverage can boost your exposure.

Example

With ₹83,000 INR as margin and a 5x leverage, you can open a position worth ₹415,000 INR (≅ €5,000) on Stellar. If Stellar’s price rises by 8%, your position gains 8% × 5 = 40%.

✔️ Gain Scenario

Result: +₹33,200 INR, a 40% return on your ₹83,000 margin (excluding fees and possible overnight charges).

Final Advice

Before investing, it’s essential to carefully compare the fee structure, terms, and security level of each platform—costs and access can vary greatly. Ultimately, your choice between spot purchase and CFD trading should match your investment goals, risk appetite, and experience in the crypto market.

A detailed comparison of the main platforms for buying Stellar is available further down this page.

Our 7 tips for buying Stellar

The latest news about Stellar

Stellar’s recent technical indicators show stabilization with a slight recovery, supporting a constructive outlook for XLM.
Despite a pronounced correction from November 2024 highs, XLM’s current price action demonstrates resilience, gaining nearly 3% intraday and showing early signs of trend reversal via a positive MACD, even as moving averages remain bearish. The RSI near neutrality and recent stabilization at key $0.25–$0.26 support levels suggest the local market, which is highly sensitive to volatility, is benefiting from renewed buying interest—particularly relevant to Indian traders accustomed to dynamic cryptocurrency fluctuations.

The expansion of Stellar’s ecosystem is reinforced by major institutional partnerships, signaling robust network fundamentals and long-term adoption drivers.
Recent collaborations with Mastercard for Crypto Credential, as well as with major players like Paxos and Ondo, highlight Stellar’s strengthening ties with the global payments infrastructure. These moves are particularly pertinent in the Indian context, where cross-border payment demand is significant and where an integration with established global networks fosters confidence amongst local financial institutions, fintechs, and users in Stellar’s long-term utility.

Stellar’s technical innovation, notably the Soroban smart contracts launch, is catalyzing DeFi engagement and network value locked growth.
The network processed over 1 million smart contract transactions recently, while Soroban’s Total Value Locked (TVL) soared by 640% this quarter, from $7 million to $52 million—a key metric that indicates growing DeFi activity. This signals Stellar’s strengthening appeal as a programmable blockchain, making it an increasingly attractive platform for developers from India’s burgeoning blockchain community, and promoting local innovation and solution-building.

The XLM network continues to offer exceptionally low transaction fees and strong payments volume, positioning it as a credible remittance and payments solution for India.
With over $32 billion in payment volume reported and just $126,000 in total network fees, Stellar’s cost-efficiency stands out, especially for Indian remittance corridors, which are among the world’s largest. This competitive fee structure and payment throughput are strong positives as India seeks affordable on-chain settlement options for both individuals and business remitters.

Stellar’s ongoing emphasis on regulatory compliance and real-world asset (RWA) tokenization aligns with India’s evolving crypto regulatory climate.
With $10.6 billion in real-world asset volume and a projected $3 billion RWA market expansion in 2025, Stellar’s transparent approach to asset tokenization and established partnerships with global regulators and organizations echoes the Indian government’s cautious yet increasingly open approach toward blockchain and digital assets, potentially paving the way for future pilots and integrations in the Indian financial sector.

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.