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 in Singapore 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 line with our ethical guidelines, HelloSafe has never purchased Stellar or received any form of compensation from entities associated with its ecosystem.

Stellar at a Glance

How much does 1 Stellar cost?

The price of Stellar is on the rise this week. As of today, XLM trades at approximately SGD 0.36, marking a 1.08% increase over the last 24 hours and holding steady over the week.

Stellar’s market capitalisation stands at around SGD 11.22 billion, with an average daily trading volume over the past 3 months between SGD 113 and 144 million. Ranked #16 by market cap, Stellar has 31.19 billion XLM in circulation, representing about 0.41% dominance in the global crypto market.

Stellar remains an attractive option, though investors should keep in mind its inherent volatility and strong innovation potential.

Our comprehensive review of the Stellar cryptocurrency

After analyzing the latest trends for Stellar (XLM) and its evolution over the past three years, our multi-factor approach, leveraging proprietary algorithms, has synthesized on-chain data, technical signals, market metrics, and competitive landscape analysis. The convergence of these advanced analytics offers a unique perspective on Stellar’s current positioning and medium-term potential within the blockchain payments infrastructure ecosystem. So, why could Stellar once again become a strategic entry point for investors targeting the cross-border payments and digital asset tokenization sector in 2025?

Recent Performance and Market Context

Price Evolution

Stellar’s price trajectory over the last twelve months has been marked by volatility but also by exceptional surges, notably the 600% spike observed in November 2024. As of June 2025, XLM is trading around $0.2649 USD, consolidating after periods of both sharp appreciation and healthy pullbacks. Over the past six months, the asset has demonstrated resilience, maintaining a stable range between $0.22 and $0.27—a clear sign of ongoing accumulation by market participants.

Positive Recent Events

• The launch of Soroban smart contracts catalyzed a 640% increase in TVL (from $7M to $52M).
• Stellar’s Protocol 22 upgrade materially enhanced privacy and scalability, reinforcing the chain’s appeal for enterprise and DeFi use-cases.
• Over 1 million smart contracts deployed as of Q2 2025, reflecting strong developer adoption.

Equally, high-profile integrations—most notably with Mastercard’s Crypto Credential—have amplified Stellar’s institutional visibility and real-world relevance for global remittances and payments.

Macro and Sector Context

On the macro front, the digital asset sector continues to thrive amid robust capital inflows and accelerating demand for blockchain-based cross-border solutions across Southeast Asia and globally. Regulatory normalization for major crypto assets in Singapore and other financial hubs has emboldened institutional adoption, with Stellar holding a distinctive seat at the intersection of legacy finance and digital innovation. Growth prospects are further buoyed by ongoing tokenization of real-world assets (RWA), a trend to which Stellar is directly exposed through partnerships with Paxos, Ondo, Etherfuse, and SG Forge (targeting $3B in on-chain RWAs in 2025).

Technical Analysis

Key Crypto Indicators

• Relative Strength Index (RSI): Oscillating between 31.6 and 56.8 across major timeframes, Stellar’s RSI signals a balanced market—neither stretched to overbought nor deeply oversold territory. This “neutral zone” implies potential for directional expansion given a shift in momentum or clear breakout signals.
• MACD: Momentum indicators have been mixed, with short-term bearish tendencies but medium-term basing patterns evident. This is typical for the latter stages of accumulation cycles.
• Moving Averages: XLM is currently trading below its key exponential moving averages (EMAs); historically, these conditions have preceded swift reversals if accompanied by volume and positive newsflow.
• Support/Resistance:
• Critical support rests at $0.22 to $0.25—a range that has consistently absorbed selling pressure throughout 2025.
• Primary resistance emerges at $0.30, with $0.42 representing the next key breakout threshold. Sustained closes above these levels could release significant upside momentum.
• Short- to Medium-term Momentum: The current structure suggests Stellar could be carving the right side of a broad base; momentum shifts, especially triggered by adoption news or major protocol upgrades, could drive rallies toward prior cycle highs.

Fundamental Analysis

Growing Adoption and Strategic Partnerships

• Rapid expansion of the Stellar ecosystem, now supporting over 1 million smart contracts and robust DeFi primitives, thanks to the Soroban launch.
• Partnerships with Mastercard, Paxos, Ondo, and other major players structurally anchor the network to the future of on-chain asset transfers and tokenized RWAs.
• Continuous technical innovations—from privacy enhancements to scalability and composability upgrades—confer lasting differentiation versus competing L1s/L2s.

Attractive Valuation Metrics

• Market capitalization: At $8.33B USD, XLM remains solidly entrenched among crypto’s top 20 assets, with a fully diluted value that remains attractive versus emerging peers, especially given its institutional alliances.
• TVL Explosion: The leap from $7M to $52M in TVL in under 12 months signals nascent but accelerating on-chain DeFi activity—a compelling trend for future protocol revenues and network effects.

Structural Strengths

• Technological Edge: Protocol 22 and Soroban offer a streamlined environment for enterprise-grade DeFi, asset tokenization, and complex cross-border workflows.
• Community and Governance: Backed by the non-profit Stellar Development Foundation, XLM benefits from transparent, mission-driven governance—a trait increasingly valued among institutions and regulators.
• Liquidity and Volume: With $84–107M in daily trading volume and more than 700 active markets worldwide, Stellar’s liquidity profile is robust—minimizing slippage risk for large-scale investors and syndicates.

Market Position and Competitive Edge

• #16 global market ranking on CoinMarketCap
• Growing traction in institutional corridors, leveraging trusted partners to bridge traditional finance and digital assets.

Positive Catalysts and Forward-Looking Outlook

• Imminent protocol updates (further Soroban enhancements, Layer 2 scaling features, etc.)
• Major integrations scheduled in the RWA and cross-border payments space
• Regulatory tailwinds in Singapore and other key regions
• Entrée of traditional finance players seeking on-chain settlement and compliance-focused blockchain infrastructure

Investment Strategies (By Horizon)

Short-Term (Swing/Opportunistic)

• Entering on technical dips toward $0.22–$0.25 appears justified by strong historical buying interest and proximity to key support levels.
• Anticipation of protocol upgrade announcements or high-profile ecosystem integrations could represent catalysts for swift upside moves.

Medium-Term (Strategic Positioning)

• Accumulating positions ahead of major cycle events (network upgrades, new RWA partnerships) may enable capturing the next evolutionary phase.
• The current sub-$0.30 zone offers an historically advantageous risk/reward setup relative to on-chain growth.

Long-Term (Structural/Conviction Holding)

• The convergence of DeFi, real-world asset tokenization, and cross-border payments ensures that Stellar remains uniquely levered to secular blockchain adoption trends.
• Institutional adoption, sustained developer activity, and the maturation of Soroban’s DeFi ecosystem point toward a robust multi-year growth profile.

Price Predictions for Stellar

Is Now the Right Time to Consider Stellar?

Key Strengths Recap

• Stellar sustains a leadership role in cross-border blockchain payments, underpinned by blue-chip partnerships and a clear vision for real-world asset tokenization.
• Technicals indicate the asset may be in a late-stage accumulation phase, with strong foundational support and compelling forward catalysts.
• Network fundamentals—explosive on-chain growth, surging TVL, and enhanced protocol capabilities—underscore strong developer and institutional engagement.
• Liquidity remains deep across CEXs and DEXs, reinforcing the market’s confidence and facilitating position sizing even for larger investors.
• Upcoming protocol and ecosystem milestones could unlock a new era of utility and price discovery for XLM, especially as regulatory and macro narratives remain broadly supportive.

Optmistic Outlook

With a balanced technical setup, a series of high-impact catalysts ahead, and a steadily advancing ecosystem, Stellar appears to represent an excellent opportunity for investors seeking exposure to the next wave of blockchain disruption in global finance and tokenized assets. Its robust fundamentals and favorable risk/reward positioning justify renewed interest at current price levels—particularly for those with a strategic outlook over multiple horizons.

Stellar remains a highly volatile cryptoasset that offers dynamic investment opportunities, requiring prudent risk management. The recent surge in network activity and forthcoming ecosystem upgrades highlight Stellar’s capacity for rapid, powerful price moves. However, evolving macroeconomic conditions require selectivity, especially as the sector consolidates around leaders in compliant, high-utility blockchain networks. Key technical levels to monitor include $0.22 as immediate support and $0.30 as primary resistance. The next scheduled protocol upgrade—expected in H2 2025—may act as a decisive catalyst for Stellar’s future trajectory.

How to buy Stellar?

It is straightforward and secure to buy the Stellar (XLM) cryptocurrency online from Singapore through a regulated platform. Generally, you can choose between two main methods: spot purchase (where you actually own the coins) and trading Stellar through crypto CFDs (where you take a position on price movements without owning the asset). Both approaches have their benefits, whether you prefer holding your XLM long-term or seeking possible short-term gains. Below, you’ll find a detailed comparison of the purchase methods—and further down the page, a full platform comparison to help you choose with confidence.

Spot Purchase

Spot buying Stellar means purchasing actual XLM coins and storing them in your personal crypto wallet. This gives you full ownership and control over your crypto assets. Regulated platforms in Singapore typically charge a fixed commission per transaction, often in SGD. For example, with S$1,350 (about €1,000) and a Stellar price of US$0.2649 (~S$0.36), you could buy approximately 3,750 XLM, accounting for about S$8 in transaction fees.

Gain Scenario

✔️ Gain Scenario:
If the price of Stellar rises by 10%, your portfolio increases in value to S$1,485.
Result: a gross gain of S$135, or +10% on your initial investment.

Trading via CFD

Crypto CFD trading lets you speculate on Stellar's price—in either direction—without owning actual XLM coins. Instead, you open a position that mimics price changes, often using leverage. Fees include the spread (difference between buy/sell prices) and potential overnight funding costs if you hold the position after market close. For instance, with S$1,350 and a typical leverage of 5x, you’re exposed to S$6,750 worth of Stellar.

Gain Scenario

✔️ Gain Scenario:
If Stellar’s price increases by 8%, your position gains 8% × 5 = 40%.
Result: S$540 profit on your S$1,350 investment (excluding fees).

Final Advice

Before investing, it's crucial to compare platform fees, available features, and security levels to find what suits your needs best. Your choice between spot buying and CFD trading depends on your goals and investment experience. Consider all factors carefully and use the platform comparison tool further down this page to make an informed decision.

Our 7 tips for buying Stellar

The latest news about the Stellar

Stellar has secured a strategic Real World Assets (RWA) partnership with SG Forge, targeting $3 billion on-chain in 2025.

SG Forge, the digital subsidiary of Societe Generale, is among the key partners collaborating with Stellar to tokenize and bring real-world assets onto the Stellar blockchain. This initiative is highly relevant for financial institutions operating in Singapore, as the local market is a growing hub for digital assets and regulated tokenization platforms. The RWA expansion aligns with MAS guidelines promoting innovation in tokenized financial instruments and enhances Stellar's potential integration with compliant infrastructures across Southeast Asia, leveraging SG's strong regional presence.

Stellar’s collaboration with Mastercard on Crypto Credential elevates cross-border payments and compliance integration in Asia-Pacific.

This ongoing partnership is designed to enable more secure and efficient peer-to-peer payments through Stellar’s blockchain, utilizing Mastercard’s identity verification solution. Singapore’s position as an APAC fintech pioneer and regional payment corridor could benefit from these improvements, as local fintechs and remittance operators look for cost-effective and regulation-friendly blockchain rails. The positive regulatory stance of MAS towards innovative cross-border solutions amplifies Stellar’s value proposition for market participants in their jurisdiction.

Stellar’s price remained stable around $0.27 with moderate optimism in the global and regional market sentiment.

Over the past week, XLM exhibited minor volatility, outperforming some competitors with a 1.08% intraday climb. Technicals indicate a neutral to very slightly bearish trend, but the medium-term consensus remains constructive, with analysts maintaining a $0.34 target—approximately 30% above current trading levels. This steadiness and potential upside appeals to Singapore-based institutional and retail investors, particularly as XLM’s liquidity and trading access via top exchanges (including Binance SG) remain robust.

The ongoing development of Soroban, Stellar’s smart contracts platform, increases DeFi and programmable payments prospects for Singapore entities.

With over 640% TVL growth recorded for Soroban since late 2024, more than one million smart contracts deployed, and support for complex financial products, Stellar is carving out DeFi opportunities for programmable capital flows. Singapore’s active crypto-native developer scene and institutional asset tokenization pilots stand to benefit from reliable, widely supported smart contract infrastructure, supporting further local ecosystem growth.

Institutional positioning and compliance focus make Stellar an attractive blockchain rail for regulated innovation in Singapore.

Stellar’s leadership in transparent, compliant payments and focus on partnerships with established institutions positions XLM as a favoured protocol in regulatory-driven environments like Singapore. The Stellar Development Foundation’s proven engagement with global standards setters and willingness to meet local compliance requirements further bolsters confidence among Singapore’s regulated financial sector and innovative fintech startups.

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.