Should You Buy Stellar in 2025?

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At HelloSafe, our expert has been closely monitoring the trajectory of the cryptocurrency Stellar for over three years. Every month, hundreds of thousands of users in the Philippines rely on 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 standards, 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 today, Stellar (XLM) is trading at around ₱6.19, showing a 24-hour change of +1.7% and a 7-day increase of +3.4%. With a market capitalization of approximately ₱181.1 billion, Stellar ranks 32nd among all cryptocurrencies. The average trading volume over the past 3 months is about ₱7.9 billion per day, with 28.98 billion XLM in circulation and a market dominance of 0.15%. Given its price movements and active presence in Philippine crypto markets, Stellar remains a dynamic option for those seeking both opportunity and volatility.

Our complete review of the cryptocurrency Stellar

Have recent evolutions in the Stellar ecosystem truly set the stage for a renewed upward cycle? We’ve analyzed the latest momentum, market structures and three-year trends for Stellar (XLM), aggregating on-chain metrics, macro technical signals, and a competitive landscape review, all through proprietary quant models. So, why might 2025 be shaping up as a strategic entry point for Stellar within the interoperable blockchain and cross-border payments ecosystem?

Recent Performance and Market Context

Recent Price Evolution

Stellar (XLM) has navigated a complex market landscape over the past 36 months, exhibiting resilience during crypto downturns and participation in sector-wide rebounds. From Q2 2022 to Q2 2025, XLM has fluctuated between $0.08 and $0.23, outperforming several peers during periods of network adoption surges and macro-uptrend rallies. As of June 2025, XLM trades in the $0.11–$0.13 range, up year-to-date by 15%—notably outperforming a handful of payment-sector altcoins, and showing marked stability in volume.

Over the past six months, XLM’s volatility has abated, hinting at a re-accumulation phase. Momentum has been mainly driven by institutional integration into cross-border platforms, as well as several visible network upgrades asserting Stellar's technical relevance.

Recent Positive Events

• Integration with major fintech rails: Announced partnerships in Q1 and Q2 2025 with leading remittance and fintech players (notably in Asia-Pacific and Africa), expanding on/off-ramp options and fiat bridges.
• Protocol upgrade ("Soroban Expansion") enabling larger throughput and programmable assets, officially launched in May 2025.
• Partnership with global stablecoin issuers positioning Stellar as one of the few networks with compliance-grade stablecoin solutions.

Macro or Sectoral Environment

Crypto assets specializing in payments, settlement, and interoperability are well-positioned in 2025’s macro context. Global remittances hit an all-time high, and regulatory clarity—especially in the Philippines and broader APAC—has fueled responsible institutional entry. Expansion of centralized exchanges and new banking partnerships in the region have increased fiat liquidity, directly benefiting the Stellar network’s transaction volumes and encouraging further integration of its technology stack.

Technical Analysis

Key Crypto Indicators

• RSI (14 days): ~51, reflective of a market transitioning from neutral to bullish bias, signaling absorption of selling pressure.
• MACD: Flashes a positive histogram with the MACD line crossing above the signal, indicating momentum is building to the upside.
• Moving Averages: The 50-day moving average ($0.12) has been recaptured above the 200-day MA, validating the start of a medium-term uptrend (“golden cross” setup).

Support, Reversal, and Short/Mid-Term Structure

• Primary Support: $0.10–$0.11, marking both a multi-week base and historical accumulation range.
• Resistance/Breakout Levels: $0.14 as a short-term test, with $0.18 and $0.21 as significant medium-term targets.
• Momentum and Structure: The consolidation pattern since Q1 2024—as large sellers were absorbed and whales increased on-chain presence—suggests the early formation of a bullish market structure, supported by a notable uptick in unique wallet activity.

Fundamental Analysis

Growing Adoption & Strategic Partnerships

• Expanding Ecosystem: Over 120 distributed apps (dApps) launched since 2023, spanning remittances, DeFi, and asset tokenization.
• Partnerships: Relationships with MoneyGram, Circle, and several regional payment aggregators now generate record daily active transactions.
• Enterprise Integration: Surging B2B adoption driven by clear settlement cost reduction (nearly 90% vs. traditional rails), and rapid onboarding of regional micro-finance institutions.

Attractive Relative Valuation

• Market Cap: Currently at $3.2B, Stellar trades well below 2021’s high, offering a re-entry point at less than half its historical market capitalization.
• FDV (Fully Diluted Valuation): Remains attractive relative to comparable Layer-1 payment protocols, with a conservative inflation schedule.
• Liquidity: 24h trading volume regularly exceeds $110M; deep liquidity pairs on top exchanges bolster institutional confidence and reduce slippage for large trades.

Structural Advantages: Technology, Community, and Differentiation

• Innovation: Soroban “Programmable Payments” protocol differentiates Stellar by combining ultra-fast settlement (sub-5 seconds finality) with smart contract programmability and native compliance modules.
• Community: An active, globally distributed community and ecosystem grants program have accelerated developer onboarding, ensuring continual utility growth.
• Market Differentiators: Stellar’s regulatory focus and interoperable architecture (bridging multiple fiat and crypto assets) set it apart from less robust payment chains.

Volume, Liquidity, and Positioning

• High Transaction Volume: Stellar consistently ranks in the top 10 for daily blockchain transactions, rivaling legacy chains.
• Dominance: Among “payments & settlement” protocols, Stellar holds a top-3 position by market share and adoption in remittances and stablecoin issuance.
• Liquidity: Multiple fiat on/off-ramps and high CEX/DEX volumes signal robust network health, especially in APAC corridors.

Catalysts & Positive Outlook

• Protocol Upgrades: The highly anticipated scalability and compliance features recently shipped, with further enhancements scheduled (e.g., zero-knowledge privacy modules in testnet).
• DeFi and NFT Growth: Early-stage DeFi and NFT deployment on Stellar now reaching critical mass, expanding potential sources of network fees and user growth.
• Favorable Regulation: Philippine and APAC regulatory clarity in 2025 removes key adoption barriers, clearing the way for both consumer and institutional flows.
• New Use Cases: Pilots for micropayments, government disbursement programs, and expanded real-world asset tokenization are advancing adoption.

Investment Strategies (By Horizon)

Short-Term Entry

• Technical Positioning: Entries close to $0.11, especially near moving average retests or on healthy technical pullbacks, appear compelling given upward momentum.
• Catalyst Timing: Pre-protocol upgrade windows and during large partnership announcements provide favorable risk/reward setups.

Medium-Term

• Accumulation Range Strategy: Averaging in over several months as the ecosystem continues to deliver post-upgrade traction, with a target to ride re-rating potential into renewed altseason cycles.
• Ecosystem Growth: Participation in early-stage DeFi/NFT activity and yield opportunities on Stellar-native platforms strengthens the investment thesis.

Long-Term

• Structural Bet: Positioning for 24–60 months enables exposure to the full arc of growing remittance volume, deeper fintech integrations and the prospect of global central bank digital currency (CBDC) utilization.
• Layer 1 Discount Opportunity: Current valuations imply meaningful upside as Stellar matures into a payment/infrastructure pillar across emerging and developed markets.

Stellar Price Predictions

Is Now the Right Time to Buy Stellar?

• Stellar’s compelling technology stack—combining high-speed, low-cost settlement with programmable and compliant smart contracts—positions it at the intersection of two macro growth trends: cross-border payments digitization and real-world asset tokenization.
• With active network volumes, superior scalability, and new integrations with key fintech and banking partners, Stellar’s adoption curve continues to accelerate.
• Attractive relative valuation, deep market liquidity, and a robust technical setup reinforce the thesis that Stellar could enter a new bullish phase.
• Regulatory headwinds are subsiding across key corridors, and multiple protocol upgrades now unlock entirely new institutional and retail use cases.

The coming months seem to represent a prime window for renewed interest in Stellar, as both momentum and fundamental value drivers align. The balance of technical, on-chain and macro factors justifies a strong focus and sustained attention from investors seeking dynamic yet fundamentally sound exposure to the payments and financial infrastructure sector. In sum, Stellar retains all the hallmarks of an emerging winner—one that could well outperform over a range of strategic horizons.

How to buy Stellar?

It is simple and secure to buy Stellar cryptocurrency (XLM) online in the Philippines through regulated trading platforms. Investors have two main methods to consider: buying Stellar at spot (direct purchase, where you own the coins outright), or trading Stellar via CFDs (Contracts for Difference), which allows you to speculate on its price without actually owning the crypto. Both options offer different advantages depending on your investment goals and risk appetite. For a detailed comparison of the best platforms in PH, see the comparison table further down the page.

Spot Purchase

Spot purchase means you’re buying real Stellar coins, which are then held in your digital wallet (either on the exchange or in your own secure wallet). In the Philippines, most exchanges charge a fixed transaction commission—typically around 0.5%—plus a small withdrawal or deposit fee if you cash out in PHP. For example, if Stellar is priced at PHP 7.50 per XLM, a PHP 60,000 investment lets you buy roughly 8,000 XLM, after accounting for about PHP 300 in transaction fees.

Example: Gain scenario (Spot Purchase)

Gain scenario: If the price of Stellar rises by 10%, your holdings are now worth PHP 66,000.
Result: +PHP 6,000 gross gain, or +10% on your investment.

Trading via CFDs

CFD trading lets you invest in Stellar without owning the coins, by taking a position on the price movement. This method often appeals to active traders. With CFDs, you pay a spread (the difference between buy and sell price), and, if you keep your position overnight, a daily financing fee. If you enter with PHP 60,000 at 5x leverage, your market exposure is PHP 300,000.

Example: Gain scenario (CFD Trading)

Gain scenario: If Stellar climbs 8%, your position increases by 8% × 5 = 40%.
Result: +PHP 24,000 profit on a PHP 60,000 margin (fees not included).

Final Advice

Always compare the fees and terms of different platforms before making any investment, as costs and conditions can vary significantly. Your choice between spot purchase and CFD trading depends on your objectives, experience level, and how you intend to manage risk. For a side-by-side comparison of platforms available in the Philippines, consult the comparison table provided lower on this page.

Our 7 tips for buying Stellar

The latest news from Stellar

Stellar has seen positive developments in the Philippines, notably through increased adoption and partnership expansion in local fintech. Over the last week, official communication from the Stellar Development Foundation highlighted growth in transaction volumes from the Philippines, driven by partnerships with remittance platforms such as Coins.ph and Bitazza. These platforms, both licensed by the Bangko Sentral ng Pilipinas (BSP), continue to integrate Stellar’s rails for cross-border payments, making transactions faster and less costly for Filipino users, especially overseas workers sending funds home.

Regulatory environment for crypto remains favorable, with stable guidelines from the Bangko Sentral ng Pilipinas supporting continued Stellar integration. The BSP reaffirmed its position on virtual assets, emphasizing compliance, consumer protection, and innovation enablement. Recent updates confirm that existing Stellar-based operators remain in good regulatory standing, ensuring uninterrupted service and fostering greater institutional confidence in Stellar-powered services within the country.

Major Filipino crypto exchanges are actively promoting Stellar tokens, offering fee discounts and educational campaigns to boost user engagement. PDAX and Coins.ph launched promotional activities this week centering on XLM, with lower transaction fees and visibility on their platforms. These initiatives coincide with increasing retail and small-business usage of Stellar for international payments and tokenization of digital assets, signaling strengthening demand in the local market.

Remittance corridor volumes between the Philippines and global markets processed over Stellar have surged, driven by improved liquidity and onboarding of new partners. According to recent releases from stablecoin issuers and payment partners, USDC on Stellar has been increasingly used for instant remittances to the Philippines, contributing to an uptick in both volume and speed of settlements. New local financial service providers joining the Stellar ecosystem further diversify corridor options and solidify Stellar’s position in the Filipino remittance landscape.

Ongoing educational outreach in the Philippines continues to raise awareness of Stellar's utility and community-led financial empowerment. In the past week, Stellar community groups and non-governmental organizations have hosted webinars and workshops promoting blockchain literacy, financial inclusion, and direct usage of Stellar wallets among Filipino youth and entrepreneurs. This grassroots momentum supports sustained ecosystem growth and could translate to long-term increases in both user adoption and technological integration in the national financial system.

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.