Stellar’s Rise Signals Shift Toward Real Finance

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Stellar (XLM), a blockchain token focused on real-world finance, has jumped 5% as key partnerships push it further into the mainstream. Currently trading near $0.41, XLM’s recent momentum stems not from hype, but from integration with major financial players and a $12 billion market cap that reflects actual use, not just speculation.

Stellar operates as a decentralized, high-speed blockchain optimized for cross-border payments, digital remittances, and real asset transactions. Unlike Proof-of-Work (PoW) models like Bitcoin’s or Proof-of-Stake (PoS) systems dominated by large validators, Stellar uses a Proof-of-Agreement (PoA) system called the Stellar Consensus Protocol (SCP). SCP enables users to select trusted validators, which enhances both speed and network trust without relying on costly mining or centralized validators.

With a Total Value Locked (TVL) of $134 billion across the broader Stellar network, including tokenization platforms and payment rails, the ecosystem is proving itself as more than a fringe project. These figures, sourced from DefiLlama, reflect genuine economic activity, not just theoretical value or memecoin mania.

Stellar’s edge lies in its global financial applications. The network allows multi-currency payments, making it a powerful solution in places where traditional banking systems lag. Its ease of compliance and cost-efficiency have attracted high-level institutional interest. Notably, MoneyGram International, Franklin Templeton, WisdomTree, and PayPal have all joined forces with Stellar.

One standout development is PayPal’s plan to launch its PayPal USD (PYUSD) stablecoin on the Stellar network. This move will likely onboard millions of new users, particularly in emerging markets where remittance services are in high demand. It also positions Stellar as a key player in what’s becoming known as “Pay-Fi”, payment-finance hybrids enabled by blockchain.

Further boosting Stellar’s credibility, Visa has confirmed support for both the Stellar and Avalanche networks in its international payments architecture. Visa’s plan includes using stablecoins like PYUSD, USDG (US Dollar Global), and EURC (Euro Coin) for cross-border settlements, cementing Stellar’s role as a backend network for future fintech systems.

Development continues through the Stellar Development Foundation (SDF). Recently, the launch of Stellar Project 23 and the implementation of upgrade CAP-67, which introduces structured event generation and Retroactive Events, have improved transparency and tools for developers.

On the technical front, XLM’s chart shows a rounded bottom formation near $0.36, now testing resistance at $0.415. According to TradingView, rising volume suggests organic demand, not just a bounce from short positions. The Relative Strength Index (RSI) has ticked up to 56.44, and the Moving Average Convergence Divergence (MACD) has turned positive, both pointing to rising bullish momentum.

Key resistance remains near $0.425. A breakout could push the price toward $0.46, while failure to hold above $0.384 may keep XLM in a sideways pattern. Still, the technical structure, combined with increasing adoption, favors a continuation.

Stellar’s recent price increase coincides with growing attention to blockchain applications