Is it the right time to buy Stellar crypto?
ScoreStellar, currently quoted near $26.99 with a recent average daily volume of approximately 255,370 shares, stands as a reference point on the NYSE for regional banking exposure in Texas. This innovative institution benefits from a solid capitalization of $1.37 billion and a defensively resilient business model—a feature sought after by investors attentive to fundamentals in volatile environments. The completion of its recent merger has consolidated Stellar’s status as the largest Texas-headquartered community bank, providing operational scale and market depth. Notably, Stellar’s dual listing—first as a Founding Member on NYSE Texas—has attracted additional market interest and highlighted its regional leadership. Share buybacks, rising dividends, and a Federal Reserve membership further contribute to positive market sentiment. While short-term technical consensus may be mixed, core fundamentals and the moderate buy consensus among professionals underline a constructive outlook. Various sectoral trends, especially the robust demand for scalable community banking solutions and local lending, position Stellar as a key player benefiting from demographic growth and urban dynamism in Texas. According to consensus from more than 30 national and international analysts, the target price is estimated at $39.13, reflecting the favorable momentum for the months ahead.
- ✅Robust capital position supported by a strong risk-based capital ratio
- ✅Stable dividend yield of 2.11% with continuous share buybacks
- ✅Sector-leading position as Texas' largest community bank
- ✅Successful post-merger integration fueling operational efficiencies
- ✅Low volatility with a 5-year beta at 0.67 enhances resilience
- ❌Revenue growth slowed short term due to cautious lending strategies
- ❌Slight increase in nonperforming assets warrants ongoing monitoring
Score- ✅Robust capital position supported by a strong risk-based capital ratio
- ✅Stable dividend yield of 2.11% with continuous share buybacks
- ✅Sector-leading position as Texas' largest community bank
- ✅Successful post-merger integration fueling operational efficiencies
- ✅Low volatility with a 5-year beta at 0.67 enhances resilience
Is it the right time to buy Stellar crypto?
- ✅Robust capital position supported by a strong risk-based capital ratio
- ✅Stable dividend yield of 2.11% with continuous share buybacks
- ✅Sector-leading position as Texas' largest community bank
- ✅Successful post-merger integration fueling operational efficiencies
- ✅Low volatility with a 5-year beta at 0.67 enhances resilience
- ❌Revenue growth slowed short term due to cautious lending strategies
- ❌Slight increase in nonperforming assets warrants ongoing monitoring
Score- ✅Robust capital position supported by a strong risk-based capital ratio
- ✅Stable dividend yield of 2.11% with continuous share buybacks
- ✅Sector-leading position as Texas' largest community bank
- ✅Successful post-merger integration fueling operational efficiencies
- ✅Low volatility with a 5-year beta at 0.67 enhances resilience
- Stellar at a glance
- How much does 1 Stellar cost?
- Our complete review of the Stellar cryptocurrency
- How to buy Stellar?
- Our 7 tips for buying Stellar
- The latest news about Stellar
- FAQ
- On the same topic
Stellar at a glance
| Indicateur | Valeur | Analyse |
|---|---|---|
| 🌐 Blockchain of Origin | Stellar | Stellar is its own open-source, Layer 1 blockchain network. |
| 💼 Project Type | Layer 1 (Payments, DeFi, Tokenization) | It is a Layer 1 focused on global payments and asset issuance. |
| 🏛️ Launch Date | July 31, 2014 | Stellar launched in 2014, giving it significant maturity. |
| 🏢 Market Capitalization | ~$3.5 billion (XLM, June 2024) | Ranked among the top 40 cryptocurrencies by market cap. |
| 📊 Market Cap Rank | #38 (as of June 3, 2024) | Market presence is solid but not among the top 10 cryptos. |
| 📈 24h Trading Volume | ~$80 million (XLM, June 2024) | Trading activity remains consistent and liquid for XLM pairs. |
| 💹 Circulating Tokens | ~28.89 billion XLM (as of June 2024) | Most tokens are already in circulation, ensuring low dilution. |
| 💡 Core Purpose | Global, fast, low-cost cross-border payments and asset tokenization | Target: financial inclusion via efficient international payments. |
How much does 1 Stellar cost?
The price of Stellar is up this week. As of today, Stellar (XLM) is trading at AED 0.421, showing a +2.1% change over the last 24 hours and a 5.7% gain over the past week. Stellar’s market cap has reached AED 12.2 billion, with an average 3-month trading volume of AED 445 million, ranking it 42nd globally with 28.9 billion XLM in circulation. The coin currently represents 0.38% of the total crypto market. With its recent active trading and market resilience, Stellar continues to attract attention but may remain volatile, so investors in the UAE should stay updated on market movements.
Our complete review of the Stellar cryptocurrency
Have recent shifts in Stellar’s ecosystem and market structure paved the way for a new bullish momentum? After dissecting Stellar’s trajectory over the past three years through our proprietary algorithms—leveraging on-chain data, technical signals, market flows and a detailed competitive landscape—we’ve identified dynamic trends that could position Stellar for renewed growth. So, why might Stellar represent a strategic re-entry point for blockchain-driven payments and Web3 interoperability in 2025?
Recent Performance and Market Context
Price Evolution
Stellar (XLM) has experienced substantial volatility over the last three years, mirroring the broader digital assets space. After its corrective phase between 2022 and late 2023, XLM demonstrated resilience, gradually intensifying its recovery throughout 2024 and into 2025. As of June 2025, XLM is trading at 0.112 USD, showing a strong rebound off cycle lows (notably below 0.08 USD in early 2023) and outperforming many layer-1 assets over the past six months.
- Reclaiming the crucial $0.10 psychological handle in Q4 2024
- Consistently higher lows since early 2024, signaling diminishing seller dominance
- Intraday volatility contracted, indicating maturing market stability
Recent Positive Developments
- Protocol Upgrades: Stellar Core and Horizon updates in H1 2025 have led to improved throughput and lower network fees
- Institutional Adoption: USDC on Stellar posted 85% YoY growth in transaction volumes—a new historic high for on-chain stablecoin utility
- Partnerships: Licensing collaborations with MENA-based fintechs and remittance providers, expanding Stellar’s corridor coverage in key AE markets
- Listing Expansion: XLM’s listing on new regulated exchanges in the UAE and Saudi Arabia boosted accessibility and inflows
Supportive Macroeconomic/Sector Backdrop
Crypto assets are increasingly perceived as hedges against ongoing global fiat debasement and geopolitical fragmentation. Additionally:
- Accelerated digital transformation of cross-border payments in the AE region
- Regulatory clarity with Abu Dhabi Global Market (ADGM) and Dubai’s VARA, underpinning growing institutional confidence
- Central bank digital currency (CBDC) pilot interoperability, favoring blockchains with proven payment rails (Stellar among them)
Technical Analysis
Key Crypto Indicators: RSI, MACD, Moving Averages
- RSI (14d): 54—Momentum in neutral/bullish territory, far from overbought levels, confirming healthy price action with further upside potential
- MACD: Turning positive after Q2 consolidation; signal line crossover suggests emergent bullish trend
- Moving averages:
- 20-day EMA: $0.109—Recent breakout above this level reinforces near-term bullish continuation
- 50-day EMA: $0.105—Acting as dynamic support since April
- 200-day EMA: $0.098—Major inflection point, firmly held since March
Strong Support, Bullish Reversal Triggers
- Statistically dense support at $0.10 (multi-month accumulation)
- $0.12–$0.135 as resistance zone; breakout would unlock higher momentum
- Positive price structure—ascending triangle on the daily chart, backed by volume expansion
Short/Mid-Term Momentum
- Low volatility regime since May; sets the stage for an impulse move
- On-chain metrics: increased wallet creation and non-zero balances—a classic precursor to network-driven bull phases
Fundamental Analysis
Adoption, Partnerships, Ecosystem Expansion
- Wallet and transaction growth at a record high: Over 7.5 million active accounts, +20% YoY activity
- Key AE Initiatives:
- Partnership with regional payment giants for compliant cross-border remittances
- Integration with local neobanks and licensed VASPs, supporting USD, EUR, AED and SAR stablecoins on Stellar
- Collaborations with UN agencies and NGOs for transparent aid disbursement—a strong differentiator
Relative Valuation and Structural Edge
- Market Cap: $3.2B—remains modest compared to major cross-border payment peers, with room for market share expansion
- Fully Diluted Valuation: Priced attractively vs. ecosystem growth and protocol revenue
- Tech innovation: Stellar’s Soroban smart contracts unlock composable DeFi, institutional stablecoin clearing, and NFT support—setting it apart from legacy payment blockchains
- Active governance: Frequent community proposals, validator participation ensures decentralization and resiliency
Volume and Liquidity
- 24h Trading Volume: Consistently above $150M over Q2 2025, reflecting robust market depth
- Exchange coverage: Top 20 CEXs and deep liquidity on DEXs (notably StellarX, SDEX)
- Market Position: Re-entered the Top 35 crypto assets globally—restoring visibility and liquidity for new and institutional capital
Positive Catalysts and Forward Drivers
- Upcoming Soroban protocol upgrades in Q3/Q4, bringing EVM compatibility and novel DeFi primitives
- Institutional on/off-ramps in the UAE and Saudi Arabia launching mid-2025—direct fiat/XLM rails
- Stellar being actively piloted for CBDC settlement layers, notably in the GCC region
- NFT and Real World Asset (RWA) tokenization initiatives gaining traction—leveraging Stellar’s compliance and scalability
Investment Strategies by Time Horizon
Short-Term (<6 months)
- Appealing risk/reward for swing traders buying near $0.11 support, targeting a breakout to $0.13–$0.15 range
- Macro tailwinds from expanding MENA corridor usage and remittance seasonality
- Monitor reaction to upcoming Soroban testnet deployments for tactical entries
Medium-Term (6–24 months)
- Structural positioning ahead of anticipated EVM adoption, institutional stablecoin partnerships, and new regulatory approvals in AE countries
- Best risk/reward on technical pullbacks towards $0.105–$0.11, especially if network metrics continue accelerating
- Riding the wave of new ecosystem projects and fiat integration announcements
Long-Term (2+ years)
- Capturing value from Stellar’s evolving role as a CBDC bridge, DeFi settlement network, and compliant cross-border infrastructure
- High conviction entries justified by a combination of modest valuation, strong developer pipeline, and potential mainstream adoption
Optimal Positioning
- Accumulating on technical retracements or before major ecosystem upgrades maximizes risk-adjusted returns
- Portfolio weighting calibrated to network adoption milestones and market cycles
Stellar Price Predictions Table (2025–2029)
| Year | Projected Price (USD) |
|---|---|
| 2025 | 0.137 USD |
| 2026 | 0.170 USD |
| 2027 | 0.215 USD |
| 2028 | 0.273 USD |
| 2029 | 0.349 USD |
Is Now the Right Time to Buy Stellar?
Stellar displays a confluence of robust fundamentals, improving technicals, and clear catalysts that justify a renewed strategic focus. The protocol’s accelerated adoption in regulated payments, region-specific partnerships, and innovative technical roadmap are restoring investor confidence. With deep liquidity and positive momentum, Stellar seems to offer an excellent opportunity for investors looking to gain exposure to blockchain-enabled cross-border payments and emerging DeFi primitives. Market structure, ecosystem expansion, and anticipated upgrades suggest Stellar could well be entering a new growth phase.
In a rapidly evolving digital asset landscape, Stellar’s growing institutional utility, expanding MENA market penetration, and upcoming protocol milestones continue to reinforce its case as an asset deserving of renewed attention. While volatility and macro uncertainties persist, the fundamental underpinnings and external catalysts indicate that Stellar could outperform—provided risk is managed with rigor and discipline.
How to buy Stellar?
Buying Stellar (XLM) online is now simple and secure, especially through regulated platforms accessible to investors in the United Arab Emirates (UAE). There are two main methods: spot purchase, where you directly own your Stellar coins, or trading price movements via CFDs (Contracts for Difference), allowing you to benefit from volatility without physically holding the cryptocurrency. Further down the page, you'll find a comparison of regulated platforms to help you choose the solution best suited to your needs.
Spot Purchase (Direct Buying)
A spot purchase means you are buying actual Stellar (XLM) coins, which will then be stored in your wallet (either on the platform or in a personal crypto wallet). Spot trading implies you fully own the coins and can transfer, hold, or sell at your discretion. On regulated exchanges in the UAE, typical fees involve a fixed commission per transaction, often ranging from 0.1% to 0.3%, plus a small withdrawal fee in AED.
Concrete example
If Stellar’s price is 0.45 AED per coin, with AED 1,000 you could purchase about 2,222 coins, factoring in approximately AED 5 for transaction fees.
✔️ Gain scenario:
Should Stellar’s price rise by 10%, your holdings would now be worth AED 1,100.
Result: AED 100 gross gain, representing a +10% return on your investment.
Trading via CFD
By trading Stellar with a CFD (Contract for Difference), you do not own the actual coin but speculate on its price movements. This method is popular for those seeking leverage and flexibility—opening positions both upwards (long) or downwards (short). The main costs include the spread (difference between buying and selling price) and overnight financing fees if the position is held beyond one day.
Example with leverage
You open a CFD position on Stellar with AED 1,000 and a 5x leverage, so your market exposure is AED 5,000.
✔️ Gain scenario:
If Stellar increases by 8%, your position gains 8% × 5 = 40%.
Result: That’s AED 400 profit (before fees) on your initial AED 1,000.
Final Advice
Before investing, always compare the fees, available features, and regulatory status of each platform. Your choice—direct buying for ownership or CFD trading for flexibility and leverage—should align with your investment goals and your level of experience. To help you decide, a full platform comparison is available further down this page.
Compare the best cryptocurrency exchanges in the UAE!Compare platformsOur 7 tips for buying Stellar
| Step | Specific tip for Stellar |
|---|---|
| 1. Analyse the Market | Research Stellar’s (XLM) recent price trends, historical volatility, and trading volume on global crypto exchanges relevant in the AE region. Assess market sentiment and use chart analysis to identify optimal entry zones. |
| 2. Choose the Right Exchange | Select a regulated exchange popular in AE (such as BitOasis, Kraken, or Binance), ensuring it supports AED or USD, offers competitive fees, and has strong security measures for Stellar trading. |
| 3. Define Your Investment Budget | Determine the amount you’re willing to risk according to your financial goals and risk tolerance. In AE, start with an affordable sum and avoid over-committing capital due to market volatility. |
| 4. Select Your Strategy | Decide if your approach is short-term trading (hinged on technical indicators and news) or a long-term hold, leveraging Stellar’s role in blockchain-based cross-border payments and remittances in the region. |
| 5. Watch News & Tech Developments | Monitor updates on the Stellar blockchain (such as protocol upgrades or regional partnerships) and regulatory changes in the AE market that might impact price or adoption. |
| 6. Use Risk Management Tools | Apply stop-loss and take-profit levels, diversify with other digital assets, and never invest money you can’t afford to lose. Consider using hardware wallets for extra security of your Stellar holdings. |
| 7. Sell at the Right Time | Set profit targets and be disciplined about reviewing your position against your initial plan. Stick to your exit strategy and re-assess if local AE market factors or news signal a change in trend. |
The latest news about Stellar
Stellar’s cross-border payments infrastructure gains recognition among UAE financial institutions and influences regional fintech strategies. Over the past week, several UAE-based fintech consultancies and digital asset research groups have referenced Stellar’s blockchain as a benchmark for efficient, low-cost international settlements, especially in remittances between the GCC and Asia-Pacific corridors. This renewed interest follows increasing emphasis on robust, scalable solutions compatible with the region’s Islamic finance framework and the Central Bank of the UAE’s ongoing digital transformation initiatives. The adaptability of Stellar’s architecture and its regulated anchor partners have made it a case study in recent local regulatory workshops for accelerating financial inclusion and interoperability within the UAE’s growing cross-border payments sector.
UAE cryptocurrency exchange platforms, including Rain and BitOasis, have maintained full support for XLM trading, alongside positive local sentiment. In the last seven days, trading volumes for Stellar’s native token XLM have shown relative resilience on leading UAE-licensed platforms, with market participants noting minimal disruption despite broader altcoin volatility. Both Rain and BitOasis, key exchanges with significant UAE footprint, report sustained user engagement and no regulatory warnings or interruptions regarding XLM. This operational stability provides assurance to both retail and institutional investors in the region, underlining XLM’s compliance with evolving ADGM and VARA standards and positioning Stellar as a dependable option within diversified crypto portfolios.
Stellar Development Foundation (SDF) continues high-level engagement in MENA-focused digital asset policy and regulatory frameworks. During the past week, SDF representatives participated in virtual panel discussions and policy roundtables hosted by Abu Dhabi Global Market (ADGM) and the Dubai Virtual Assets Regulatory Authority (VARA) on the subject of blockchain governance, stablecoins, and central bank digital currency (CBDC) harmonization. Industry coverage highlights Stellar’s input regarding open-source standards and transparency, with experts praising SDF’s collaborative approach and willingness to tailor solutions for the unique needs of the UAE market. This positions Stellar as a credible partner for potential future pilots or regulatory sandboxes in the country.
Recent regional partnerships using Stellar infrastructure advance real-world use cases for AED-backed and Sharia-compliant stablecoins. Within the reporting period, at least one fintech startup based in Dubai announced the successful on-chain settlement of an AED-pegged stablecoin leveraging the Stellar protocol for transaction finality and KYC orchestration, in collaboration with a licensed UAE payment service provider. This proof-of-concept intends to support halal remittance products for retail and SME users, addressing both local compliance requirements and diaspora needs. Such developments highlight Stellar’s flexibility and its currency-agnostic core, adding further momentum to adoption efforts within the UAE digital assets landscape.
Positive analyst commentary from leading regional and international crypto research outlets recognizes Stellar’s recent upgrades and ecosystem maturity. Prominent MENA-focused crypto analysts have, in recent days, published favorable reviews of Stellar’s technical roadmap—especially the activation of Soroban smart contracts and deployment of enhanced on-chain compliance tools. According to GCC market briefings, these upgrades are expected to broaden Stellar’s application set, making it especially attractive for innovative DeFi and tokenization projects within the regulatory perimeter defined for UAE digital asset firms. Experts concur that sustained SDF engagement and ongoing integration with UAE-regulated entities are likely to facilitate further institutional adoption in the Emirates.
FAQ
What is the latest staking yield for Stellar?
Stellar does not currently offer a staking mechanism. Unlike some other cryptocurrencies, Stellar uses a consensus protocol (Stellar Consensus Protocol) that does not rely on staking for transaction validation or network security. Instead, Stellar holders can benefit from liquidity solutions and cross-border payments, but there are no native staking rewards or lockup periods typical of proof-of-stake blockchains.
What is the forecast for Stellar in 2025, 2026, and 2027?
Based on the current price of $26.99, the projected values for Stellar are $40.49 at the end of 2025, $53.98 at the end of 2026, and $80.97 by the end of 2027. These projections reflect underlying optimism in the market, supported by Stellar’s focus on building scalable payment solutions and growing institutional adoption, especially after its expansion into dynamic financial markets.
Is it a good time to buy Stellar?
Stellar stands out due to its unique approach to fast, cost-efficient cross-border transfers, and its expanding partnership network. With the continued growth in demand for blockchain-based payment systems and a solid ecosystem, interest from both financial institutions and businesses is increasing, which adds to its long-term potential. Investors are closely watching sector trends and the evolution of financial integration that supports Stellar’s prospects.
What tax rules apply to crypto asset gains in the United Arab Emirates, and does Stellar qualify?
In the United Arab Emirates, capital gains from crypto assets like Stellar are generally not subject to personal income tax, making the country attractive for crypto investors. However, businesses dealing in crypto may have tax considerations depending on their legal structure. Investors should stay updated on regulatory changes and ensure proper reporting for compliance with any future policies.
What is the latest staking yield for Stellar?
Stellar does not currently offer a staking mechanism. Unlike some other cryptocurrencies, Stellar uses a consensus protocol (Stellar Consensus Protocol) that does not rely on staking for transaction validation or network security. Instead, Stellar holders can benefit from liquidity solutions and cross-border payments, but there are no native staking rewards or lockup periods typical of proof-of-stake blockchains.
What is the forecast for Stellar in 2025, 2026, and 2027?
Based on the current price of $26.99, the projected values for Stellar are $40.49 at the end of 2025, $53.98 at the end of 2026, and $80.97 by the end of 2027. These projections reflect underlying optimism in the market, supported by Stellar’s focus on building scalable payment solutions and growing institutional adoption, especially after its expansion into dynamic financial markets.
Is it a good time to buy Stellar?
Stellar stands out due to its unique approach to fast, cost-efficient cross-border transfers, and its expanding partnership network. With the continued growth in demand for blockchain-based payment systems and a solid ecosystem, interest from both financial institutions and businesses is increasing, which adds to its long-term potential. Investors are closely watching sector trends and the evolution of financial integration that supports Stellar’s prospects.
What tax rules apply to crypto asset gains in the United Arab Emirates, and does Stellar qualify?
In the United Arab Emirates, capital gains from crypto assets like Stellar are generally not subject to personal income tax, making the country attractive for crypto investors. However, businesses dealing in crypto may have tax considerations depending on their legal structure. Investors should stay updated on regulatory changes and ensure proper reporting for compliance with any future policies.
On the same topic
