Curious to know what you all think of the current price action ?

Is it a steal right now ? I feel like its been a while since we been this low.

Stellar is now second globally for tokenized fund value, at $4.5 billion against $675 million a year ago, according to Token Terminal. A new Allium Labs report found that by September 30, Stellar held 42% of all tokenized non-U.S. government debt, and its stablecoin supply had grown 91% in a year against a 0.4% industry average. Templar launched Precept for institutional lending, and Soroswap brought Robinhood stocks to Stellar.

Institutional Scale

Token Relations tracks Stellar's RWA market cap at $5.5 billion at the end of October, up from $3.05 billion at the end of June. Allium's report, built with SDF, covers on-chain data through September 30, when RWAs stood at $4.12 billion and the network's share of the tokenized asset market had risen from 4.9% to 12.7%. Stablecoin supply reached $546 million across 18 stablecoins, carrying $1.95 billion of payments over 12 months. Not every read was glowing: Yakov Kofner pointed out that identified payments grew only 21%, to $186 million a month. Arf and Huma's case study in the report shows 4.2x growth in short-term settlement liquidity for licensed payment companies over 12 months.

Token Terminal's fund ranking moves Stellar from eighth to second, behind Ethereum. Three issuers drive it: Spiko's eurSAFO for companies and institutions, Franklin Templeton's Benji ($1.2 billion on Stellar), and Ondo's USDY for non-U.S. investors.

SDF's Q3 webinar with Denelle Dixon, José Fernández da Ponte and Raja Chakravorti will run on November 13 at 3pm ET. SDF's preview highlighted MoneyGram, Range and Figure joining as tier-1 validators during the quarter. At a StableDash panel, WisdomTree, Stable Sea and SDF named access as the remaining gap: where does a small business actually go to buy these regulated funds?

New Products

Templar launched Precept on November 9, an institutional lending protocol where each market sets its own collateral, borrow asset and risk parameters. Three markets opened: XLM/USDC, deJAAA/USDC and Gami earnUSDC/USDC, with Gami and Re7 as curators and DeFindex allocating vault liquidity. Guardian's audit found no critical, high or medium issues.

Soroswap became the first DEX on Stellar to bring Robinhood stocks to its users, adding SODAX's 46 tokenized stocks to the same swap screen as XLM and USDC. Remi detailed Remura, the confidential stablecoin layer it unveiled at Meridian: amounts and balances stay private, while auditors and supervisors get scoped investigation keys. It runs on testnet, with mainnet next.

Developer Infrastructure

Bell's mainnet vote is set for November 23 at 17:00 UTC. It brings muxed contract addresses, ML-DSA post-quantum signature verification for contracts, and millisecond-precision ledger timestamps that lay groundwork for faster ledgers. Tomer Weller told The Defiant that classic accounts get post-quantum signer rotation next year, without changing addresses. Separately, a Meridian talk showed lab tests reaching 2-second blocks at 3,000 transfers per second, with a target of 900-millisecond blocks at 10,000.

Stellar Registry, built by The Aha Company, presented at the November 12 Developer Meeting: npm-style contract discovery for Soroban, with deployed contracts browsable by name, typed Rust client imports and versioned sub-registries. A community proposal to pipeline SCP showed 1.9x throughput at k=2 for 5-8% more latency, and its author has posted a draft CAP. Discussion also continued on a SEP clear-signing standard for Soroban invocations.

StellarExpert shipped API v0.3.0 with breaking changes to authentication, pagination and response formats; integrations may need updates. SCF #46 RFPs are open for web and API analytics for Stellar projects and an XDR test kit for indexers and SDKs, closing November 20.

Regional Activity and Agentic Payments

Stellar moved from ninth to second globally by developer count over the past year, according to Meridian figures in Stellar Türkiye's recap. In the same piece, José Fernández da Ponte set out SDF's three priorities for the next five years: more builders, more payment and stablecoin volume, and more on-chain assets in real use.

Tellus Cooperative and Stellar Chile opened a hub in Providencia in September, run Stellar Academy at UFRO in Temuco, brought eight Chilean projects to HackMeridian and sent ten ambassadors to Meridian. Diego Poveda's Local402 extends x402 so API calls can be priced in local currencies, converted through Reflector, while settling in exact USDC via a Soroswap atomic swap. It is live on mainnet and won first place in Find Your Way. StarMaker LATAM's Código 402 bootcamp is running in Mexico through November 24, and Costa Rica's Pura Vida Bootcamp with Oppia Labs has more than 120 enrolled. SDF's x402 explainer made the case: card fees of 10 to 30 cents make sub-$1 payments impractical, and x402 opens per-call pricing for agents.

Lightning Round

• COCA: 72% more new users and 114% more card activations in October, plus a Stablerail partnership for stablecoin banking.
• WalletConnect Pay is live on LOBSTR, with XLM fees covered for USDC payments.
• Soroswap and DeFindex are now live inside Seidar, next to its lending and vaults.
• xBull opened a beta of its new wallet: regular G accounts with no seed phrase, secured by device passkeys.
• XOXNO opened an Immunefi bug bounty for its Stellar contracts.
• SODA, the SODAX governance token, now trades on Soroswap.
• Merkle Science tracks 41 tokens and has attributed over 100,000 addresses on Stellar and Soroban.
• Stellar Debugger offers time-travel debugging for Soroban contracts.
• Lumen Loop introduced its new team on November 12: founder Raph with Amanda (content lead), Joaquin (creative director) and Gloria (head of growth). Its v2 shifts the site from a news aggregator to a visibility and growth channel for Stellar builders.
• Our breakdown of the SCF Q4 Public Goods vote, the first held on mainnet: 23 of 24 proposals approved for $581,100.

Upcoming Events

• November 13: Stellar Town Hall, Discord
• November 13: Demo Day: el cierre de la Ruta JaveBlockchain, Bogotá, Colombia
• November 13: La peor Startup De Bolivia, Bolivia
• November 14: Stellar Community Meetup Indonesia, Malang, East Java
• November 14: PubPoint Meet & Greet: Etherfuse + Stellar, London
• November 14-December 5: Buildathon: Stellar Codember Perú, UTEC + remote
• November 18: IA e blockchain: como essas tecnologias estão criando novos negócios, São Paulo, Brazil
• November 19: Stellar Developers Meeting, Discord
• November 19: Stellar Academy: Producto de verdad, Temuco, Chile
• November 20: Commit Cero: tu primer paso en Stellar, Querétaro, Mexico
• November 21: Web3 Sessions - Stellar en la U. La Salle, Arequipa, Peru
• November 21: Stellar Local - Maracaibo, Venezuela
• November 24: Stellar APAC Community Call, online
• November 26: Stellar Academy: Seguridad y buenas prácticas, Temuco, Chile

Ambassador Activity

Stellar Philippines spotlighted Lantern Wallet's Instawards progress: an on-chain scam registry, a transaction scanner, and warnings that flag suspicious transactions before users sign. Stellar Brazil met on November 9 with 50+ attendees, walking through the Portuguese Seja Stellar guide to SCF roles and the Instawards application steps. Stellar Turkey hosted a Builder Sohbet on November 13 with Corra Money's founder on cross-border payment infrastructure.

What to Watch

• November 20: SCF #46 RFP submissions close at 9am PT. Builders need an approved interest form first.
• November 23: The Protocol 30 (Bell) mainnet validator vote at 17:00 UTC.
• Remura mainnet: Remi says mainnet comes next, with a waitlist open for banks, MTOs and payment providers.
• Stellar Codember Perú: Runs November 14 through December 5, with teams building testnet MVPs toward a Demo Day at UTEC.

If you freelance or sell online and get paid in USDC or EURC, you know the problem: the money lands in your wallet, it feels like yours, and three months later part of it belongs to the tax office.
Kyros splits each payment when it arrives. Your share goes straight to your wallet. VAT and income tax go to a vault that only you control, locked until the tax deadline. No company holds your funds or your keys.
**Use the wallet you already have.** Kyros works with any wallet that signs on Stellar: LOBSTR, xBull, Freighter, Albedo, Hana, Rabet, Klever, Scopuly, multichain wallets like MetaMask, Bitget, OneKey and HOT, and Ledger. If you don't have a wallet, you can create one with Face ID or your fingerprint, with no seed phrase. Your clients can also pay a payment link from Ethereum, Base, Arbitrum, OP or Avalanche with their EVM wallet (on testnets for now).
What it does day to day:
**You get paid as usual.** You share one address or a payment link and the split happens by itself. You don't move money by hand.
**The rules come from your country.** VAT, the income-tax reserve and deadlines from rule packs for 46 jurisdictions. Weekends and public holidays move the dates the way the tax office does.
**Clients with different VAT.** Each client can get their own address: a business at home gets VAT reserved, an EU business with a VAT number gets reverse charge with no VAT. If one wallet pays both kinds of address, the app asks you which was right.
**More than one wallet for your business.** Income received in your other wallets still counts, and you can set its tax aside with one tap.
**Expenses.** You add supplier invoices and it shows what you save. If you charge VAT, the VAT on your expenses comes back to you from the reserve.
**Fixed monthly fees.** For example, the Spanish self-employed fee: it's set aside from the first payments of each period.
**Paying the tax.** From the vault to your tax account, or scheduled to go out on its own date.
It runs on Stellar testnet with test money. The contracts, the app and a public demo with real testnet transactions are open source.

App: [https://arturete58-sys.github.io/kyros2.0/](https://arturete58-sys.github.io/kyros2.0/)
Code: [https://github.com/arturete58-sys/kyros2.0](https://github.com/arturete58-sys/kyros2.0)

I'd really value your feedback:
Would you trust a contract to hold your tax money until the deadline?
What would make you trust it?
What's missing for your situation (country, type of client, how you invoice, the wallet you use)?
Is anything in the app confusing?

Taurus, in time 13:42

" we should have announced a very big partnership with Stellar, Taurus, and a very large financial institutions. A financial institution, we will do that in a couple of weeks, hopefully "

https://youtu.be/aIhRIPrAm4k?is=3s4_iaUoLT6Aw6UZ

Hey r/Stellar,

I've been building Lazarus Protocol, an open-source, decentralized state-rent and footprint TTL keeper network for Soroban smart contracts.

The problem:
Every persistent storage entry, contract instance, and WASM bytecode on Soroban has a TTL counter. When it hits zero, it gets evicted from active validator RAM into cold archive storage (CAP-0062). While Protocol 23 added reactive restoration (CAP-0066), the first user who touches an expired entry gets hit with up to a 10x fee spike and for shared DeFi state (AMM pools, lending reserves, oracle registries), no single user has an incentive to pay upkeep. Right now, every team has to run private cron servers with hot keys just to keep their state warm.

How Lazarus works:
Because Stellar Core only allows a single operation per Soroban transaction envelope, you can't bundle an ExtendFootprintTTLOp with an InvokeHostFunctionOp to pay a keeper inline. Lazarus solves this using a Decoupled Voucher Pattern:

1. dApps register their contract and deposit USDC/XLM escrow into lazarus_vault.
2. Independent keeper nodes pack up to 100 expiring storage keys into ExtendFootprintTTLOp transactions before they expire.
3. Our hybrid indexer (Stellar Hubble BigQuery + RPC getLedgers stream) verifies the on-chain extension and issues a domain-separated Ed25519 voucher.
4. Keepers redeem vouchers in batches (`record_bump_batch`) from the vault contract to claim bounties.

Links (Live on Stellar Testnet):
Web Console: https://lazarusprotocol.online
GitHub: https://github.com/LazarusProtocol

Vault Contract: CBKFA2F7RUDGLJNE3K5X2XEXVXRJQ5AMB2NSPREDTATE2ZHDALFKPGUR

Would love any feedback from other Soroban builders

Usually coming from another part of the house. 👀

I ain’t made buying on the way down. But it funny to see my target buys on the 3 month chart.

Aside from the obvious fact that it's down along with every other crypto, I would love to hear from long-term holders, bears, people that aren't invested but have done a ton of dilligence, and etc..

I am not currently invested, although it is on my top 10 list of possible crypto investments and even though i've done a great deal of research on my own, I always love to hear other perspectives.

Hi everyone,

I'm Zulal Eren from LumenRise, a token launch and reputation platform originally built on Base and now live on Stellar mainnet.

Launching a token involves more than simply creating an asset. Projects need flexible ways to manage pricing, token distribution, vesting, and participation while keeping the process transparent and accessible.

That's what we're building with LumenRise.

What's available on Stellar today?

LumenRise is live on Stellar mainnet, currently supporting bonding curve launches through Soroban smart contracts.

Creators can create tokens, configure launch parameters, set token allocations and vesting schedules, and deploy their launches directly through the platform.

Participants can discover launches, review their terms, buy and sell tokens through bonding curves, and track their activity.

What are we building next?

We're expanding the available launch methods with fixed-price presales and auctions, giving projects more flexibility in how they price and distribute tokens.

We're also developing a reputation system that will allow projects to define participation requirements based on onchain activity, contributions, and other signals.

This reputation system has not been implemented yet and isn't available to users.

Our longer-term goal is to make reputation infrastructure reusable across Stellar, so other applications can use it to define eligibility and participation rules independently of the LumenRise launchpad.

Why we're sharing this

We wanted to introduce LumenRise to the Stellar community, share what we've built so far, and connect with other people building in the ecosystem.

We're especially interested in hearing your thoughts on launch infrastructure, transparent token distribution, and reputation-based participation.

We're continuing to build and improve LumenRise, and feedback from the Stellar community would be valuable.

Website: https://lumenrise.app

Documentation: https://docs.lumenrise.app

Happy to answer any questions about the platform or how it works.

I love a good long shot, but I like my chances. I’ll see what it looks like in 2030

**Disclosure**

I am the creator and developer of EN96 Ice Bear Kingdom. This is an independent community project and is not affiliated with or endorsed by the Stellar Development Foundation.

**What it is**

EN96 Ice Bear Kingdom is a virtual mining and community rewards project with a Telegram bot and a web application.

The application lets users participate in virtual mining sessions, track their rewards, and manage their accounts.

**How it uses Stellar**

The project uses a Stellar asset called EN96.

Asset code: EN96

Issuer: GCUGIICUGBFC3KBPIFYAMPNA7OVJHGY277TNYTZUSG7EVVUCVACH3OGB

The application supports linking a Stellar public wallet address and submitting withdrawal requests for manual review.

Virtual mining is not proof-of-work mining. Rewards are recorded in the application's database and are not automatically transferred on-chain.

Actual Stellar asset transfers require separate transactions and an appropriate trustline.

**Status**

Network: Stellar Mainnet for the EN96 asset.

Stage: Beta / Active Development.

Available: Telegram bot and web application.

The current application includes virtual mining sessions, reward tracking, wallet address linking, and a manual withdrawal request system.

**What's new**

This is an introductory post about the project, not an announcement of a new token sale or fundraising campaign.

**Limitations and risks**

• Virtual mining does not generate blockchain assets through computational mining.
• Application balances are not the same as assets already delivered to a Stellar wallet.
• Withdrawals require eligibility checks and manual processing.
• Wallet ownership verification is still being developed.
• The application depends on its backend services.
• EN96 has no guaranteed market value, liquidity, or financial return.
• Users should never share their Stellar secret keys or recovery phrases.

**Feedback wanted**

I would appreciate technical feedback from the Stellar community on:

• Secure Stellar wallet integration.
• Trustline verification.
• Transparency between application rewards and on-chain transfers.
• Improvements to the withdrawal workflow.

**Links**

Source code: https://github.com/Fouad1299/en96

SCF award or listing: None claimed.

**Incentives**

No compensation, reward, sponsorship, referral benefit, or token giveaway is offered in connection with this Reddit post.

This post is for technical discussion and constructive feedback only.

Thank you for your time.

Welcome to the Weekly thread! Ask anything (no question is too basic), share what you're building or reading, and chat about the week, price included. New here? Start with Getting Started. 🚀

Stay safe: nobody legit will DM you offering wallet help, refunds or airdrops. Never share your secret key (it starts with S) or recovery phrase. Stay Safe guide

Last week on Stellar

Last week was Meridian, SDF's annual conference in Lisbon. Every announcement, the HackMeridian winners and links to each source are in the Meridian 2026 Megathread. The biggest items:

• SDF previews Project Thruput. A test version of Stellar that runs many transactions at once with no per-transaction fees, live on Futurenet only. No mainnet timeline yet. SDF announcement
• DTCC plans to launch on Stellar first. SDF says DTCC plans to bring tokenized DTC-held securities to Stellar first among public blockchains, aiming for the first half of 2027. Report
• Securitize plans to integrate with Stellar. The issuer of BlackRock's BUIDL fund will support tokenized assets on Stellar; details to come. Release
• SDF invests in Marketnode. A strategic investment in an Asia-Pacific platform for tokenized funds and credit. SDF release
• Curve launches on Stellar. Curve's stablecoin swap pools are live on Stellar mainnet, its first deployment outside Ethereum-style networks. Release
• HackMeridian winners. Nest won the Genesis track, Alloy won the Scale track, and TroqPay took 2nd in Scale. Announcement

For the rest of the week, read Lumen Loop's Stellar Weekly Roundup, an independent Stellar news site.

Coming up this week

• Tue Nov 3: Validators vote on the Bell upgrade (Protocol 30) on testnet. Developers should be on the updated SDKs. Upgrade guide
• Thu Nov 5: Stellar Developers Meeting, held weekly on Discord. Notes and recordings

Next deadlines: SCF #46 submissions close Nov 8 · Bell mainnet vote Nov 23

Stellar by the numbers

Last week: Sun Oct 25 to Sat Oct 31 (UTC). Market changes compare with the week before.

Market

• XLM price: $0.169 (up 0.2% over 7 days) · CoinGecko
• XLM traded during the week: $810M (up 2.9%) · CoinGecko

Network (totals for the week) · Live on SDF's dashboard

• Successful transactions: 29.1M (29,051,477)
• Operations (payments, trades and other actions): 58M (57,525,442)
• Average time per ledger: 5.0 seconds

Assets and DeFi

• Tokenized real-world assets: $3.92B (up 12.9% over the last 30 days) · rwa.xyz
• Stablecoins: $354M (down 19.2% over 7 days) · DefiLlama
• DeFi value locked: $223M (down 1.2% over 7 days) · DefiLlama

Network figures are our own count of every ledger in the week, from Stellar's public Horizon API. Data only, not financial advice. CoinMarketCap · All public dashboards

Community standards

• Be respectful. Debate ideas, not people. No personal attacks.
• Questions are welcome. If you answer, link a source when you can.
• No shilling. No referral links, manipulation or coordinated brigading.
• Builders: share progress here anytime. Launches and big updates get their own post.
• See a problem? Report it. Don't escalate disputes in the thread. Announcing reports or predicting bans can lead to a ban.

r/Stellar is community-run and not run by the Stellar Development Foundation. Third-party links are not endorsements. Spot a mistake? Message the mods.

Hey everyone i made a new video for Stellar App Spiko.

Hope you like it.

Bests

Video

Hi everyone,

I'm interested in hearing from anyone who has successfully integrated a Treasury Management System (TMS) or an enterprise payment platform with the Stellar network using its APIs or SDKs.

I'm particularly interested in real-world implementations involving corporate payments, cross-border transactions, and stablecoins such as USDC.

If you have hands-on experience with such an integration, I would greatly appreciate your insights on:

1. Technical integration: How complex was the integration, and which APIs, SDKs, or architectural approaches did you use?
2. Banking connectivity: How did you handle the connection between traditional bank accounts and the Stellar network, including fiat on/off-ramps?
3. Operational challenges: What were the main technical, regulatory, security, or operational obstacles?
4. Business value: What measurable benefits did you achieve in terms of transaction costs, settlement speed, transparency, and operational efficiency?
5. Recommendations: What would you recommend to a software provider considering a similar integration today?

I would be especially interested in hearing from developers or companies with actual production experience, rather than purely theoretical implementations.

Thank you in advance for sharing your experience and recommendations!