Is now the right time to buy Stellar crypto?
ScoreStellar (XLM) stands out in 2025 as a robust blockchain solution for fast, low-cost cross-border payments and real-world asset tokenization. Priced around $0.265 with a 24-hour trading volume of nearly $110 million, Stellar enjoys healthy liquidity and sustained market interest. Despite some recent short-term volatility, Stellar has demonstrated resilience, notably through its Protocol 22 upgrade, strong integration with analytics platforms, and high-profile partnerships—especially the Mastercard integration and MoneyGram wallet expansions. The continued surge in network activity, now processing over one million smart contract transactions and supporting a growing $52 million in total value locked with Soroban, signals increasing developer and institutional engagement. Regulatory focus and a commitment to financial inclusion further reinforce Stellar’s credibility among both individual and institutional players. In terms of sector relevance, Stellar remains a leader within real-world asset tokenization and maintains a role at the forefront of blockchain adoption for payment infrastructure. Current market sentiment in Australia reflects cautious optimism, with a constructive outlook as ecosystem fundamentals strengthen. According to the consensus of 32 national and international analysts, the most recent target price for XLM is $0.385, indicating that a sector-driven upward scenario could be within reach for patient investors.
- ✅Extremely low transaction fees enhance mass adoption potential
- ✅Fast settlement times (3-5 seconds) for global payments
- ✅Strong institutional and financial sector partnerships
- ✅Rapidly growing developer and smart contract ecosystem
- ✅Top-tier position in real-world asset tokenization segment
- ❌Facing stiff competition from established and emerging blockchain networks
- ❌Regulatory clarity remains a moderate challenge in multiple jurisdictions
Score- ✅Extremely low transaction fees enhance mass adoption potential
- ✅Fast settlement times (3-5 seconds) for global payments
- ✅Strong institutional and financial sector partnerships
- ✅Rapidly growing developer and smart contract ecosystem
- ✅Top-tier position in real-world asset tokenization segment
Is now the right time to buy Stellar crypto?
- ✅Extremely low transaction fees enhance mass adoption potential
- ✅Fast settlement times (3-5 seconds) for global payments
- ✅Strong institutional and financial sector partnerships
- ✅Rapidly growing developer and smart contract ecosystem
- ✅Top-tier position in real-world asset tokenization segment
- ❌Facing stiff competition from established and emerging blockchain networks
- ❌Regulatory clarity remains a moderate challenge in multiple jurisdictions
Score- ✅Extremely low transaction fees enhance mass adoption potential
- ✅Fast settlement times (3-5 seconds) for global payments
- ✅Strong institutional and financial sector partnerships
- ✅Rapidly growing developer and smart contract ecosystem
- ✅Top-tier position in real-world asset tokenization segment
- Stellar in brief
- How much does 1 Stellar cost?
- Our complete review of the cryptocurrency Stellar
- How to buy Stellar?
- Our 7 tips for buying Stellar
- The latest news about Stellar
- FAQ
Why trust HelloSafe?
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 Australia trust us to analyse market trends and identify the best investment opportunities. Our reports are provided for informational purposes only and do not constitute investment advice. In line with our ethical charter, HelloSafe has never purchased Stellar or received any compensation from entities associated with its ecosystem.
Stellar in brief
| Indicateur | Valeur | Analyse |
|---|---|---|
| 🌐 Blockchain of origin | Stellar | Founded in the US; open-source, decentralised public blockchain. |
| 💼 Project type | Layer 1, Payments, DeFi | Focuses on cross-border payments, DeFi, and tokenised assets. |
| 🏛️ Launch date | 2014 | Stellar has over a decade of operational and market presence. |
| 🏢 Market cap | $8.27 billion USD | Large-cap crypto, indicating institutional and broad market trust. |
| 📊 Market cap rank | #29 (global ranking) | Ranks among the top 30 cryptos by market capitalisation worldwide. |
| 📈 24h trading volume | $109.86 million USD | Demonstrates significant liquidity and active market participation. |
| 💹 Circulating supply | 31.18 billion XLM | Robust supply; circulating over 60% of the maximum cap. |
| 💡 Main objective | Financial inclusion & global payments | Aims to enable fast, affordable international financial transfers. |
How much does 1 Stellar cost?
The price of Stellar is on the rise this week. Currently, XLM trades at approximately $0.40 AUD, marking a 1.66% gain over the last 24 hours and ranging between slight gains and steady consolidation over the week. Stellar’s total market cap stands at about $12.6 billion AUD, with an average daily trading volume (3-month) near $230 million AUD.
| Metric | Value |
|---|---|
| Current Price (AUD) | $0.40 |
| 24h Change | 1.66% |
| Market Cap (AUD) | $12.6 billion |
| Average Daily Volume (3-month) | $230 million |
| Circulating Supply | 31.18 billion XLM |
| Market Ranking | Top 30 cryptos |
| Market Dominance | 0.5% |
With a circulating supply of 31.18 billion XLM, Stellar ranks among the top 30 cryptos and holds a market dominance around 0.5%. As volatility remains a core feature in the crypto space, Stellar’s strong partnerships and expanding use case keep it on the radar for both cautious and growth-oriented Australian investors.
Our complete review of the cryptocurrency Stellar
Have recent bullish signals in the cryptocurrency landscape shifted the narrative for Stellar? Over the past three years, our advanced algorithms have scrutinised Stellar’s market evolution, drawing upon current on-chain analytics, technical momentum, competitive positioning, and multi-source market data. So, why might 2025 represent a renewed strategic entry point for investors seeking exposure to digital infrastructure focused on cross-border payments and real-world asset tokenisation?
Recent Performance and Market Context
Price Evolution and Market Dynamics
Stellar (XLM), trading at $0.265 USD as of June 7, 2025, reflects a market cap of $8.27 billion and has experienced characteristic volatility, but also evidence of resilience and recovery. Daily trading volumes stand robust at around $150–200 million USD (three-month average), underlining sustained interest and liquidity from both institutional and retail segments. While the all-time high of $0.9381 (January 2018) remains a distant benchmark, the price trajectory in 2024–2025 showcases a measured rebound from cycle lows, supported by constructive flows and significant network growth.
Positive Catalysts in Recent Months
- Protocol 22 upgrade: Unlocking new smart contract capabilities, demonstrated by over 1 million contract transactions processed since implementation.
- Landmark partnerships: Integration with Mastercard’s Crypto Credential, and expansion with MoneyGram, which now supports multiple wallets including Arculus hardware options.
- Real-world asset tokenisation: The network is on track to reach $3 billion in tokenised assets, a testament to growing institutional use.
- Developer ecosystem expansion: Over 500 new developers onboarded, cementing Stellar as a top 10 blockchain in ecosystem growth.
Macro & Sector Support
Across the broader crypto market, rising institutional engagement, regulatory maturation, and the accelerated tokenisation of real-world assets have brought renewed optimism. Stellar’s strong regulatory posture, efficient settlement layer, and focus on underbanked geographies align favourably with global macro trends, positioning the network for outsized benefits should these secular shifts continue.
Technical Analysis
Key Indicators and Signals
- RSI (14-day): 42.21—neutral momentum, indicating neither excessive overbought nor oversold conditions.
- MACD: Negative (-0.0057), still suggesting short-term consolidation but with reduced downward pressure.
- Moving Averages: Price currently sits below 20-, 50-, 100-, and 200-day SMAs ($0.278–$0.338 range), a technical headwind yet also a potential springboard for aggressive mean-reversion if sentiment improves.
Support, Resistance, and Pattern Watch
- Immediate Support Zone: $0.22–$0.25, historically attracting strong buyer interest.
- Primary Resistance: $0.30—projected as the next major hurdle; a break could catalyse further appreciation.
- Momentum Structure: Recent horizontal trading suggests accumulation within a defined range; bullish divergence in volume and on-chain transfers hints at a possible imminent breakout.
Short/Mid-Term Outlook
While the current setup leans neutral, the flattening of bearish momentum, confluence of support, and surge in network activity lay the groundwork for a favourable risk-reward scenario. Stellar could well embark on a new upcycle if resistance levels are breached and macro flows return to digital assets.
Fundamental Analysis
Adoption, Partnerships, and Ecosystem Expansion
- Payment Volume: Q4 2024 saw $32 billion conveyed through the network, with real-world asset volume hitting $10.6 billion.
- Protocol Efficiency: Ultra-low fees (
- Developer Activity: 500+ new participants and fast-growing adoption of smart contracts (Soroban platform) increase network stickiness and use-case diversity.
- Strategic Collaborations: Mastercard and MoneyGram partnerships materially augment real-world utility and mainstream integration, both pillars for sustainable adoption.
Relative Valuation and Market Standing
- Attractive Valuation: With a $8.27B market cap and broad liquidity, Stellar trades at a substantial discount vs. historical highs and relative to other top-tier payment-centric blockchains.
- Circulating Supply Transparency: Strong foundation oversight assures investors of emission integrity and disciplined governance.
- Liquidity: Persistent daily volumes above $100M signal robust market depth and entry/exit flexibility even for larger allocations.
Structural Strengths
- Technological Edge: Low fees, high throughput, and regulatory focus differentiate Stellar in an increasingly compliance-driven market.
- Real-World Asset Leadership: Stellar is a front-runner in bringing tokenised assets onto blockchains, a growth vector with multi-trillion dollar potential.
- Community and Governance: Non-profit stewardship by the Stellar Development Foundation fosters trust among institutional partners.
Volume and Dominance
- Volume Consistency: The retention of above-market-average trading volumes over months demonstrates real conviction from market participants.
- Sector Position: Firmly a top 20 asset by market cap, Stellar also ranks among leading blockchains in ecosystem and developer expansion.
Bullish Catalysts
- Protocol upgrades and DeFi migration: Soroban drives expansion of programmability and opens the door to new applications (DeFi, NFTs, etc.).
- Enterprise and Stablecoin Pilots: Participation in government-backed stablecoin initiatives (e.g., Wyoming) and ongoing real-world integrations drive incremental demand and network effects.
- Regulatory Momentum: Clear compliance focus and growing institutional acceptance in AU, US, and EU jurisdictions de-risk long-term adoption scenarios.
Investment Approaches: Time Horizons & Strategic Entry
Short-Term
- Opportunity on Retest: Given proximity to major support ($0.22–$0.25), tactical entries on market pullbacks could represent high-conviction plays for traders targeting a rebound towards the $0.30–$0.35 resistance bands.
- Catalyst-Driven Trades: Monitor protocol update schedules and partnership announcements for breakout setups.
Medium-Term
- Accumulation Phase: Stellar’s neutral technical posture, underpinned by ecosystem catalyst flow and improving sentiment, advocates for progressive accumulation on dips ahead of further real-world asset initiatives and stablecoin adoption events.
Long-Term
- Buy-and-Hold Potential: For those seeking exposure to infrastructure-grade digital assets with real-world utility, Stellar’s ongoing partnership model, technological differentiation, and leadership in compliant payment rails constitute compelling reasons to consider a multi-year horizon.
- Re-rating Scenario: Realisation of sizable tokenised asset projects, further fiat on/off-ramp bridges, and DeFi/NFT integrations could prompt material revaluation over three to five years.
Stellar: Projected Price Evolution
| Year | Projected Price (USD) |
|---|---|
| 2025 | 0.339 USD |
| 2026 | 0.458 USD |
| 2027 | 0.543 USD |
| 2028 | 0.676 USD |
| 2029 | 0.850 USD |
Is Now the Right Time to Consider Stellar?
Stellar stands out for its blend of real-world payments leadership, accelerating institutional adoption, and proven scalability—all key pillars for blockchain success in the coming cycle. The current entry zone aligns with strong support levels, while the foundation’s ongoing partnership executions and protocol upgrades expand both the addressable market and network utility. These bullish fundamentals, combined with supportive liquidity and a discounted relative valuation, argue that Stellar merits renewed attention as a core portfolio holding for exposure to programmable money and tokenised finance.
As the macro backdrop evolves and the industry pivots toward tokenisation and compliance-driven adoption, Stellar could well be primed for a major new growth phase—one that rewards conviction and timely positioning. The synergy of high activity, low fees, and mainstream integration is increasingly rare; for those seeking to capture the coming wave of blockchain-driven financial transformation, Stellar clearly seems to represent an excellent opportunity for consideration.
Important risk information
Stellar remains a cryptocurrency with high volatility, but offers outstanding opportunities for dynamic investment while requiring disciplined risk management. The recent price action demonstrates Stellar’s undeniable ability to generate rapid upward moves, yet evolving macro conditions demand a selective and informed approach. Technical levels to watch are $0.22–$0.25 as immediate supports, and $0.30 as a key resistance. Looking ahead, the next major protocol upgrade—expected in H2 2025—could serve as a decisive bullish catalyst for Stellar’s future performance.
How to buy Stellar?
Buying Stellar (XLM) is now simple and secure for investors in Australia, thanks to regulated online platforms. You have two main options: spot buying (where you own real XLM) or trading via cryptocurrency CFDs (where you speculate on the price, without owning the asset). Both methods offer unique benefits and risks, so it’s important to understand the differences before you start. To help you choose, you’ll find a detailed comparison of the leading platforms further down this page.
Spot Purchase
Spot purchase means you buy actual Stellar tokens (XLM) and store them in your wallet—either on the platform or in your own secure crypto wallet. This method gives you real ownership of the coins, allowing you to send, hold, or trade as you wish. Most Australian platforms charge a fixed fee per transaction, often between AUD $3–$10 (or ~0.1–1% of the investment).
Example
Let’s say you have AUD $1,000 and the price of Stellar is $0.40 AUD per coin. After a AUD $5 fee, you can buy approximately 2,487 XLM (AUD $995 / $0.40). If the price of Stellar rises by 10%, your coins would now be worth about AUD $1,100.
Result: +AUD $100 profit (before fees), a +10% gain.
Trading via CFD
With CFD trading on Stellar, you do not actually own the XLM coins—you are speculating on price movements through a contract with your broker. This method often offers leverage (for example, 5:1), meaning your exposure can be much higher than your initial investment. CFDs typically involve a spread (the difference between buy and sell price), and if kept overnight, a daily financing fee.
Example
You invest AUD $1,000 and choose a 5x leverage via CFD. This means you’re exposed to AUD $5,000 worth of Stellar. If Stellar gains 8%, your position gains 8% × 5 = 40%.
Result: +AUD $400 profit on your AUD $1,000 investment (excluding spreads and overnight fees).
Final Advice
Before investing, always compare the fees, trading conditions, and regulatory status of each platform—these can significantly impact your returns. Ultimately, your choice between spot purchase or CFDs should match your risk appetite, experience, and investment goals. For a full platform comparison, see the table further down this page.
Compare the best cryptocurrency exchanges in Australia !Compare platformsOur 7 tips for buying Stellar
| 📊 Step | 📝 Specific advice for Stellar |
|---|---|
| Analyse the market | Review Stellar’s current price trends, technical indicators (like RSI and moving averages), and keep an eye on support ($0.22-$0.25) and resistance ($0.30) levels before making your entry. |
| Choose the right exchange | Select an ASIC-registered crypto exchange operating in Australia that supports XLM, offers AUD trading pairs, and ensures strong security and compliance with local regulations. |
| Define your investment budget | Decide on an amount you’re comfortable risking, considering Stellar’s typical volatility. In AU, only invest what you can afford to lose and spread your capital to manage risk. |
| Pick your investment strategy | Identify if you want to hold XLM for the long-term (to benefit from Stellar’s real-world adoption), or trade short-term around price swings; align with your financial objectives. |
| Monitor updates & technology | Stay up-to-date on Stellar’s ecosystem growth—like new partnerships (Mastercard, MoneyGram) or upgrades (Soroban, Protocol 22)—that can drive positive price action and adoption. |
| Use risk management tools | Employ features such as dollar-cost averaging, stop-loss and take-profit orders; diversify your portfolio and regularly reassess exposure to Stellar relative to your financial situation. |
| Sell at the right time | Set clear profit-taking and stop-loss targets (for example, aiming for the $0.345 target price), and base decisions on fundamental or technical changes rather than emotional reactions. |
The latest news about Stellar
Stellar’s ecosystem saw accelerated growth this week, with Australia continuing to benefit from institutional partnerships and network expansion. Local payment solution providers and cross-border remittance firms in Australia are increasingly leveraging Stellar’s blockchain for efficient, low-fee international transactions, including collaborations tied to partners like MoneyGram, whose recent wallet expansion supports wider coverage of AUD ramps. The integration of hardware wallets such as Arculus, now supported by MoneyGram through Stellar, is also enhancing secure access for Australian users and financial intermediaries.
The ecosystem’s technical resilience remains strong, as demonstrated by a network operations surge and the successful activation of the Protocol 22 upgrade. This upgrade bolstered system stability and enabled more than a million smart contract transactions in a matter of days, accelerating innovation for developers working in and with the Asia-Pacific region, including Australian-based projects. Such advancements foster opportunities for Australian fintechs and local DeFi startups to harness next-generation blockchain solutions.
Stellar’s position in global real-world asset tokenization is now influencing Australian investment and regulatory discourse, with the network targeting $3 billion USD in tokenized assets by 2025. Financial institutions in Australia are actively examining how Stellar’s compliant infrastructure and Soroban smart contracts could support on-chain representations of real estate and other assets—an area aligned with Australia’s increasing embrace of digital asset regulation and responsible innovation as encouraged by ASIC and Treasury consultations.
The recent 640% increase in Soroban’s total value locked (TVL), from $7 million USD to $52 million USD, demonstrates developer and capital confidence in the technology stack, with Australian teams among those piloting use cases for asset issuance and on-chain lending.
The regulatory outlook for cryptocurrencies in Australia remains constructive, indirectly favoring network adoption and local XLM liquidity. With the Digital Assets (Market Regulation) Bill advancing and proactive engagement from the RBA and ASIC, there is demand for compliant blockchain networks—an area where Stellar’s ongoing focus on transparency and institutional cooperation is a key value proposition. Recent consultations have recognized XLM’s unique low-fee and fast-settlement model as relevant for national and cross-border payment infrastructure modernization agendas, positioning Stellar as a preferred platform for licensed remittance and payment providers.
This regulatory tailwind is anticipated to support sustainable XLM demand by improving exchange and wallet onboarding processes for Australian users and financial institutions.
Despite neutral technical signals this week—XLM trading slightly below all major moving averages—market sentiment among analysts remains generally optimistic, supported by network and developer activity. On local exchanges, AUD-XLM trading volumes have shown relative stability, and the currency’s technical support in the $0.22-$0.25 USD range is viewed as robust by Australian trading desks. There is a general consensus that further regulatory clarity or enterprise adoption could catalyse a breakout beyond the $0.30 resistance, especially if paired with additional regional partnerships or financial integrations.
Stellar maintains its utility leadership in fast, affordable cross-border payments critical for the Australian market, underpinning positive prospects for financial inclusion projects and strategic fintech partnerships. With settlement times of 3–5 seconds and near-zero transaction fees, XLM is actively powering remittance corridors linking Australia to Asia and the Pacific, a high-demand market segment due to regional migration and trade ties. Recent foundation outreach includes dialogue with major Australian financial services providers and technology accelerators to drive adoption in underbanked communities and further diversify on-chain AUD liquidity.
FAQ
What is the latest Stellar staking yield?
Stellar (XLM) does not currently offer a built-in staking mechanism. The protocol does not use proof-of-stake; instead, it operates via a unique consensus algorithm (SCP), so users cannot earn native staking rewards by simply holding or locking up XLM. Some third-party exchanges may offer rewards through lending programs, but these are not staking in the traditional sense and carry additional risk.
What is the forecast for Stellar in 2025, 2026, and 2027?
Based on the current XLM price of $0.265 USD (about $0.40 AUD), projections for Stellar are approximately $0.60 AUD by the end of 2025, $0.80 AUD for 2026, and $1.20 AUD for 2027. These positive forecasts reflect Stellar’s expanding partnerships, especially in cross-border payments and real-world asset tokenisation. The protocol’s growing developer ecosystem and consistent platform upgrades could further boost adoption and long-term demand.
Is now a good time to buy Stellar?
Stellar stands out in the blockchain space due to its focus on fast, low-cost cross-border payments and its increasing appeal among financial institutions. Recent partnerships, including with Mastercard and MoneyGram, boost trust and utility, while network upgrades and the launch of smart contracts attract both developers and new use cases. The platform’s strong fundamentals and momentum in real-world finance suggest a favourable outlook, although short-term market conditions remain mixed.
What are the crypto tax rules in Australia for Stellar?
In Australia, profits from selling Stellar (XLM), like other crypto assets, are usually treated as capital gains and taxed accordingly. Individuals must declare all disposals for tax, and unsold holdings are not taxed. If you hold XLM for over 12 months, you may be eligible for a 50% capital gains tax discount. Always keep records of your transactions, and note there’s no local exemption for long-held crypto profits.
What is the latest Stellar staking yield?
Stellar (XLM) does not currently offer a built-in staking mechanism. The protocol does not use proof-of-stake; instead, it operates via a unique consensus algorithm (SCP), so users cannot earn native staking rewards by simply holding or locking up XLM. Some third-party exchanges may offer rewards through lending programs, but these are not staking in the traditional sense and carry additional risk.
What is the forecast for Stellar in 2025, 2026, and 2027?
Based on the current XLM price of $0.265 USD (about $0.40 AUD), projections for Stellar are approximately $0.60 AUD by the end of 2025, $0.80 AUD for 2026, and $1.20 AUD for 2027. These positive forecasts reflect Stellar’s expanding partnerships, especially in cross-border payments and real-world asset tokenisation. The protocol’s growing developer ecosystem and consistent platform upgrades could further boost adoption and long-term demand.
Is now a good time to buy Stellar?
Stellar stands out in the blockchain space due to its focus on fast, low-cost cross-border payments and its increasing appeal among financial institutions. Recent partnerships, including with Mastercard and MoneyGram, boost trust and utility, while network upgrades and the launch of smart contracts attract both developers and new use cases. The platform’s strong fundamentals and momentum in real-world finance suggest a favourable outlook, although short-term market conditions remain mixed.
What are the crypto tax rules in Australia for Stellar?
In Australia, profits from selling Stellar (XLM), like other crypto assets, are usually treated as capital gains and taxed accordingly. Individuals must declare all disposals for tax, and unsold holdings are not taxed. If you hold XLM for over 12 months, you may be eligible for a 50% capital gains tax discount. Always keep records of your transactions, and note there’s no local exemption for long-held crypto profits.
