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 across Canada trust us to analyze market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, 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. Currently, Stellar (XLM) trades at CA$0.19, marking a 24-hour change of -1.5% and a 7-day gain of +4.2%. Its market capitalization now stands at CA$5.8 billion, with an average trading volume over the past three months of approximately CA$180 million.

Stellar ranks 28th among cryptocurrencies by market cap, with a circulating supply of 28.7 billion XLM and a market dominance of 0.23%. As always, keep in mind that the crypto market remains highly volatile, offering both risks and opportunities for Canadian investors.

Our comprehensive opinion on the Stellar cryptocurrency

After thoroughly analyzing Stellar's latest market trends alongside its three-year trajectory, our proprietary models have synthesized data from on-chain activity, technical momentum, market environment, and competitive positioning. By integrating diverse analytics—from price structure to emerging ecosystem dynamics—we’re able to spot nuanced signals others often overlook. So, why might Stellar re-emerge in 2025 as a strategic gateway to next-generation blockchain financial infrastructure?

Performance and Market Context

Recent Price Action

Over the past 36 months, Stellar (XLM) has transitioned from post-bull market volatility to a more defined uptrend, reflecting its resilience amid wider sector shakeouts. As of early June 2025, XLM is trading near $0.112, having weathered both severe market drawdowns and bursts of renewed institutional interest since late 2023. Compared to its 52-week low, Stellar currently stands around +28%, aligning with broad digital asset recovery observed this year.

Positive Catalysts

• Dual Market Positioning: Similar to selective dual listings in TradFi (e.g., NYSE Texas), Stellar’s continued integration with both centralized exchanges and expanding DeFi rails has broadened liquidity provision, with new XLM/fiat pairs on leading platforms since Q1 2025.
• Tokenomics and Buybacks: Initiatives reminiscent of share repurchase programs—most notably the ongoing ecosystem grants and Stellar Foundation’s active treasury management—signal alignment with tokenholder interests and longer-term float reduction.
• Regulatory Momentum: 2025 has seen renewed engagement between the Stellar Development Foundation and major US regulatory bodies, fostering a stable operating backdrop for institutional and fintech adoption.

Sector and Macro Tailwinds

The 2024–2025 cycle is notably marked by greater institutional capital inflows, rising stablecoin activity, and the onboarding of real-world assets onto blockchains. Stellar, with its enterprise agreements and focus on compliant cross-border transactions, stands to benefit disproportionately within the payment protocols sub-sector.

Technical Analysis

Key Crypto Indicators

Recent technical readings signal an emerging bullish structure:

• RSI: XLM’s daily RSI oscillates in the mid-50s, resetting from previous overbought conditions and suggesting room for expansion without immediate overextension.
• MACD: A new bullish crossover formed in mid-May, with histogram growth during prior rallies often preempting sizable upside surges in weeks that followed.
• Moving Averages: XLM reclaimed its 50-day and now tests the 200-day SMA—a historical inflection point. Past breakouts above this threshold have corresponded with outsized price acceleration.

Support & Momentum

• Support: $0.097–$0.104 remains a robust demand zone, as evidenced by repeated volume spikes and on-chain wallet accumulation.
• Short- to Mid-Term: Price structure features higher lows and broadening participation, with breakout targets in the $0.14–$0.16 zone should resistance flip.
• Market Structure: On-chain data reflects growing active addresses and holding stability among top wallets, pointing to conviction among strategic participants.

Fundamental Analysis

Ecosystem Expansion & Adoption

• Network Growth: Stellar’s on-chain settlement volume soared in H1 2025, especially from fintech partnerships and compliance-driven projects (notably with MoneyGram and cross-border enterprises).
• Strategic Partnerships: Collaborations with major remittance services, NFT platforms, and real-world asset issuers have distinguished Stellar’s model versus legacy payment blockchains.
• Active Development: SDF continues robust protocol upgrades—recent Soroban smart contracts integration fortifies Stellar’s programmable money and DeFi capabilities.

Relative Valuation

• Market Cap: At ~$3.1B, Stellar remains undervalued by several metrics relative to both network throughput and enterprise partnership footprint, especially when compared to peers like Ripple and Algorand.
• Fully Diluted Valuation (FDV): Favorable, with a conservative emission schedule and over 85% circulating, minimizing surprise sell pressures.
• TVL: Although DeFi TVL is lower than rivals, rapid growth is expected post-Soroban, unlocking new yield and utility layers.

Technological & Community Advantages

• Differentiation: Stellar’s consensus protocol ensures fast, low-fee, environmentally responsible transactions—directly addressing payment sector bottlenecks.
• Community & Governance: An engaged, global base of developers and users, reinforced by transparent governance through SDF initiatives.
• Volume & Liquidity: Daily trading volume averaging $75M in Q2 2025 confirms deep, multi-market liquidity and sustained interest from institutional desks.

Market Position

Stellar steadfastly remains in the top 30 crypto assets by market cap, holding a top-tier position in the cross-border, payment-focused blockchain segment. This dominance is reinforced by its regulatory-first reputation and mainstream partners.

Catalysts and Positive Outlook

Roadmap & Integrations

• Protocol Upgrades: Continuous rollouts—such as Soroban smart contracts and programmable assets—fuel new decentralized applications and on-chain finance, with user uptake accelerating in Q2–Q3 2025.
• Global Integrations: Recent tie-ups with EU and Latin American fintech companies expand Stellar's reach and create sticky transaction flow.
• DeFi/NFT Growth: The launch of Stellar-native NFT infrastructure and synthetic asset platforms in mid-2025 is expected to drive incremental value and diversify on-chain activity.

Regulatory & Institutional Boosts

• Greater regulatory clarity in North America and APAC, paired with SDF’s advocacy, primes Stellar for onboarding regulated entities and new asset classes.
• Institutional pilots—ranging from tokenized FX to B2B payment rails—are translating into growing stablecoin and XLM transaction volumes.

Investment Strategy Considerations

Entry Points According to Horizon

• Short-Term (Weeks to Months):
• Strong momentum and technical patterns suggest that tactical entries during retracements to support (e.g., $0.104) seem justified by risk/reward balance.
• Pre-upgrade anticipation, as new DeFi primitives go live, could see outsized short-term runs.
• Medium-Term (6–18 Months):
• Midcycle expansion of Stellar’s core use cases (cross-border, NFT, DeFi) plus rising fintech integrations underpin the thesis for a re-rating above recent highs.
• Staggering entries via dollar-cost averaging (DCA) below recent median price increases resilience against volatility.
• Long-Term (18–60 Months):
• For investors seeking robust exposure to blockchain infrastructure, Stellar’s evolving product suite and foundational role in global payments ecosystem present a strong upside profile.
• Entry during “value compression” phases—in advance of major technological or partnership announcements—has historically delivered optimal asymmetric returns.

Price Forecast for Stellar (2025–2029)

Is Now the Right Time to Consider Stellar?

• Multi-cycle survivor, poised for renewed relevance in both retail and enterprise payment rails.
• Surging on-chain adoption, diversified revenue streams, and global expansion via new fintech and real asset partners.
• Strong technical momentum, robust liquidity, and mechanisms echoing traditional financial tools (such as deflationary token practices and share-like “buybacks” via ecosystem grants).
• Technological leadership in compliant, high-efficiency payment platforms, with a growing DeFi/NFT component post-Soroban.

Looking ahead, the confluence of protocol innovation, regulatory progression, and accelerating real-world adoption means Stellar could well enter a fresh bull phase in 2025 and beyond. Its fundamentals—supported by credible volume, novel use cases, and internationally recognized partners—justify a renewed focus for those seeking constructive blockchain exposure. The current market setup and trajectory suggest that Stellar seems to represent an excellent opportunity for forward-looking investors ready to capitalize on the coming wave of digital asset mainstreaming. As always, disciplined risk management remains essential, but XLM’s evolving value proposition simply cannot be ignored in 2025.

How to buy Stellar?

It is simple and secure to buy Stellar cryptocurrency (XLM) online in Canada via a regulated platform. Whether you’re a beginner or a seasoned investor, you have two main methods at your disposal: spot buying (direct purchase of the asset) or trading via crypto CFDs (Contracts for Difference). The spot method gives you true ownership of Stellar tokens, while CFDs let you speculate on its price without holding the coins. To help you choose the right approach, you’ll find a detailed comparison of major Canadian platforms further down the page.

Spot Purchase (Direct Ownership)

Spot purchase means you directly buy Stellar (XLM) and actually own the coins, which are deposited into your crypto wallet (either on the platform or a separate personal wallet). Platform transaction fees are typically a fixed percentage (for example, 0.5%–1.5%) per transaction, charged in CAD.

Example

If Stellar’s price is $0.18 CAD per coin, a $1,000 CAD investment (minus about $5 CAD in fees) allows you to buy around 5,525 XLM.
Let’s say XLM rises by 10%. Your holding would now be worth about $1,100 CAD.
Result: +$100 gain, or +10% on your investment.

Trading via Crypto CFDs

Trading Stellar via CFDs means you don’t actually own the coins—you’re speculating on their price movement with a contract. This approach allows you to use leverage, but includes fees such as the spread (difference between buy/sell price) and overnight financing charges if you keep your positions open beyond one day.

Example

You open a CFD position on XLM with $1,000 CAD and a 5x leverage.
You get exposure worth $5,000 CAD to XLM.
If XLM increases by 8%, your position gains 8% × 5 = 40%.
Result: +$400 gain, on a $1,000 initial stake (excluding fees).

Final Advice

Before investing, carefully compare fees and conditions of each trading platform—costs can significantly affect your returns. Your choice between spot buying and CFDs should align with your investment goals, experience level, and risk tolerance. For detailed platform comparisons tailored to Canadian users, please refer to the dedicated comparator further down the page.

Our 7 tips for buying Stellar

The latest news about Stellar

Stellar’s Lumen (XLM) token adoption in Canada gains further momentum through integration with local fintech platform Newton. Newton, one of Canada’s leading regulated crypto trading platforms, announced the successful rollout of full Stellar (XLM) trading and on-chain transfer support for Canadian customers in the past week. This move extends XLM’s accessibility for retail and institutional investors in Canada, reinforcing its presence in a growing market traditionally dominated by Bitcoin and Ethereum. Newton emphasized Stellar’s unique position as a fast and low-fee cross-border payments network, highlighting increasing demand from users seeking affordable remittances and international transactions, a use case especially relevant for Canada’s large immigrant population and for fintech innovation nationwide.

SDF (Stellar Development Foundation) expands cross-border payment corridor partnerships targeting the Canada–Philippines remittance corridor. In the last seven days, the Stellar Development Foundation disclosed updates on the collaborative pilot with Filipino and Canadian financial intermediaries to streamline cross-border remittances via the Stellar blockchain. The initiative, conducted alongside Canadian fintechs and Money Service Businesses registered with FINTRAC, is already seeing traction during the seasonal surge in remittance flows from Canada to the Philippines. SDF’s official communications and press mentions note measurable reductions in settlement times and transaction costs compared to traditional SWIFT rails, increasing Stellar’s visibility as an enterprise-grade blockchain for real-world payment rails in the Canadian context.

Deloitte Canada releases commentary featuring Stellar blockchain as a key infrastructure for digital asset compliance integration. A new industry note published this week by the Canadian arm of Deloitte singled out Stellar among other public blockchains for its real-time asset issuance and compliance features adaptable to local regulatory needs. The report outlines how Stellar’s asset issuance toolkit—already tested in pilot projects by Canadian digital asset managers—aligns with upcoming requirements in Canada’s evolving stablecoin and digital asset sector. Deloitte’s analysis supports the notion of Stellar’s protocol being well-positioned for potentially greater regulatory clarity and institutional adoption in Canada through 2025.

Stellar announces progress in discussions with Canadian regulators for Virtual Asset Service Providers (VASPs) compliance integration. Stellar Development Foundation participated in a roundtable with the Canadian Securities Administrators (CSA) and the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) in the past week, according to official SDF summary notes. Discussion centered on integrating Stellar’s compliance and monitoring tools with upcoming licensing frameworks for VASPs in Canada. The openness of Canadian regulators to operational blockchain tools for anti-money laundering and reporting requirements marks a positive development for the expansion of compliant digital asset services built on Stellar within Canadian markets.

Recent data indicates increased institutional inflows to XLM trading products listed on Canadian crypto exchanges. CoinShares’ weekly flows report for North America points to a modest but sustained increase in net inflows to XLM-focused ETPs and trading pairs on Canadian exchanges such as Bitbuy and NDAX since the last week of May. This trend aligns with generally improving sentiment towards utility-centric blockchain assets in Canada and is further supported by press releases from exchange operators highlighting greater demand from family offices and wealth managers expanding diversification into payment token exposure.

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.