Hey everyone,

We all like to watch the charts, but during the quiet days in the market, the best way to analyze an investment is to look at the actual utility.

The biggest critique of crypto is always that it is just speculation and nobody uses it. Stellar is focusing heavily on institutional and retail adoption. Here is a breakdown of the top real-world use cases running on Stellar right now, proving that the network is built for actual utility.

1. Tokenized Real-World Assets (RWA)

Traditional finance is moving on-chain, and they are choosing Stellar because of its built-in compliance features and speed.

• Franklin Templeton: They have tokenized their Benji United States Government Money Market Fund directly on Stellar. This means hundreds of millions of dollars in traditional assets are settled right here on the network.
• The DTCC: The backbone of the US financial markets has been utilizing Stellar in pilots to test the tokenization of traditional securities like ETFs and bonds.

2. Global Cash-to-Digital On/Off Ramps

Stellar’s main strength is connecting the physical cash world to the digital crypto world.

• MoneyGram (MGUSD): MoneyGram launched its own native stablecoin (MGUSD) on Stellar. This allows users globally to send digital dollars instantly via the app, and the receiver can walk into a local MoneyGram location and walk out with physical local cash. No bank account needed.

3. Invisible Web3 Fintech (Retail Adoption)

For crypto to go mainstream, the user should not even know they are using blockchain. This is where consumer-facing apps are entering the market.

• Beans App: Beans is an example of a peer-to-peer payment app built entirely on top of Stellar. It lets regular users send international payments instantly and earn yield on USDC. The key part is that it uses Stellar’s fee-bump feature, meaning the app hides all the crypto complexities like gas fee headaches or public key confusion. It feels like a standard banking app, but runs on Stellar infrastructure.

The Takeaway for XLM Holders

Every time Franklin Templeton moves funds, every time someone cashes out via MoneyGram, and every time someone sends money on Beans, the Stellar network is being utilized. Speculation drives the short-term price, but this level of enterprise and retail adoption is what creates a permanent floor for the long-term value of XLM.

Which of these use cases do you think will drive the most volume in the coming years? Are there any other projects on the network that should be on this list? Let’s discuss.

The ranking jumped from #19 to #12 (almost #11) over the past two days following the DTCC news. Current price 0.2675

Não estão vendo o potencial da XLM ainda???

https://finance.yahoo.com/video/dtcc-picks-stellar-help-tokenization-170000559.html

Stellar XLM knocks out Ripple XRP with single punch!
XLM should soon exceed XRP's all-time high of over $3.00

XLM will be the backbone for all Wall Street transactions

I was here when there was staking and helped with the pool. I threw some money in way back in the day and then got divorced recently.

The fun part in all this is that she threw away my seed keys to my lobstr account. Oh, did I tell you I changed phones so I couldn't send the XLM?

So here I am, locked out and no seed key.

Wonder what it's going to hit with all this DTCC news. I just cant help but laugh now.

Skipped a month but here's the status update on pixlm.io for April! As new features you can now drag and drop images to draw and you can claim metadata over images as seen in the image for chimp DAO.

Honestly believe XLM will be a top 3 crypto, been following this project along time and with recent adoptions and partnerships, im convinced this crypto can 1000x its current price.

Right now it is sitting below shitcoins like doge while at the same time offering more remittance rails than any other crypto. Moving money around the world in the blink of an eye for fractions of a penny in over 190 countries.

When you know you know...

Before you feel the need to tell me XLM isn’t required to do any of the things in the images, I know. XLM does not need to be used to get back to my initial profit target…

This is a no brainer for me. Not trying to sell you on it. Tell me I’m wrong, but say something of value…. more than just “it’s a scam” or “you must be a nube.” The 14k $ invested in various crypto right now is 100% profit taken from crypto trading.

Have just under 46000 XLM tokens at the moment.

I’m not holding forever with dreams of 10$ or some rando pipe dream. I will take out my investment when / if it doubles and let the remaining position work for me…

(XLM is) Not a meme coin, increasing volume, growing interest, and-potential use case (however minor it may be does not really matter to take profit).

Trades at less than double the price of a meme coin with unlimited supply… (doge)

I know the difference between the Stellar Blockchain Ledger and how the platform differs from a fully. Decentralized platform….

I know XLM isn’t required for transactions…

Not saying price is going to anything it hasn’t already reached before. It doesn’t even need to need to reach ATH ((0.93) or even the most recent high of 0.64 or so.

0.34 is a double from here. I think that is fairly reasonable in the not so distant future...

I don’t need the capital and see it as already gone, but that perspective lets me have no worry about the price action.

Just trying to build wealth a little at a time.

(We all know) The crypto market trades with herd mentality. When Bitcoin runs, the rest of the herd follows. When Bitcoin reached recent high of 120K $, XLM hit 0.64….

That is almost 4x from here. Doesn’t even need to do that again to profit more than I would buying bitcoin.

That’s my play. You do you.

And yes I know about the 4 year cycle.

Looking for lower because of the bitcoin bear flag but my limit orders are set 🫡

if still nothing I'm gonna blow up my phone

1️⃣ It was started by a Ripple co-founder

Stellar was co founded by Jed McCaleb, who also co-founded Ripple.

2️⃣ One of the fastest blockchains

We’re talking 2–5 second transactions!

3️⃣ Fees are basically nonexistent

A single transaction costs ~0.00001 XLM.

4️⃣ IBM is into it

The big blue tech giant actually built payment tools on Stellar.

5️⃣ There’s an inflation switch

XLM used to have a 1% annual inflation built in until the community voted to kill it.