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Today, I would like to discuss Stellar (XLM) with you — its growing role in global payments, tokenized real-world assets, institutional adoption, and where XLM could potentially trade by the end of 2026.
As of September 1, 2026, XLM is trading around $0.178, with a market capitalization of approximately $6.2 billion. Around 34.7 billion XLM are currently circulating from a maximum supply of roughly 50 billion. XLM remains almost 81% below its historical high near $0.94, which leaves considerable recovery potential if market conditions improve.
What Is Stellar?
Stellar is a blockchain network designed primarily for payments, stablecoins, asset tokenization and cross-border financial transfers. Unlike many Layer-1 networks competing mainly for DeFi or meme-coin activity, Stellar has spent years focusing on connecting traditional finance with blockchain infrastructure.
Transactions settle within seconds and typically cost only a fraction of a cent, making the network particularly suitable for international payments and tokenized financial assets.
Real-World Assets Are Becoming a Major Catalyst
One of the strongest narratives surrounding Stellar in 2026 is RWA — Real World Assets.
According to a Stellar institutional infrastructure report published in March, the network already hosted 67 tokenized RWA products worth around $1.4 billion, issued by regulated organizations including Franklin Templeton, Spiko and WisdomTree. The network was also processing approximately $2.3 billion in average monthly cross-border stablecoin settlement volume.
Since then, expansion has continued.
In July, Tradable announced plans to bring up to $1 billion in tokenized private credit assets onto Stellar.
That could significantly strengthen Stellar's position in one of the fastest-growing sectors of the blockchain industry.
Institutional Adoption Is Growing
Stellar is increasingly working with recognizable financial institutions.
Franklin Templeton's BENJI tokenized U.S. Government Money Fund operates on Stellar and currently has approximately $654 million in assets on the network.
Stellar also announced major developments in 2026 involving MoneyGram, Figure Markets, Tradable, UNDP and Bermuda. MoneyGram and Stellar expanded their partnership around real-world stablecoin utility, while Tradable plans to tokenize private credit assets on the network.
This is important because Stellar's long-term success may depend less on speculative crypto activity and more on whether institutions actually use the network for payments and financial assets.
Stellar Is Competing for the Future of Global Payments
XLM is often compared with XRP because both networks focus heavily on payments and financial settlement.
However, Stellar has developed its own position around stablecoins, remittances, tokenized securities and accessible financial infrastructure.
The opportunity is enormous, but competition is also increasing. XRP Ledger, Ethereum Layer-2 networks, Solana, stablecoin-specific chains and even traditional financial institutions are all developing infrastructure for tokenized payments.
For Stellar, continued adoption will therefore be critical.
XLM Price Prediction for the End of 2026
🟢 Bullish Scenario: $0.30–$0.45
If Bitcoin remains strong, altcoins regain momentum and Stellar continues expanding institutional and RWA adoption, XLM could potentially return above $0.30.
A strong breakout above $0.30 could open the way toward $0.40–$0.45.
In an extremely bullish altcoin market, higher prices are possible, but returning anywhere close to the historical ATH near $0.94 would require a much larger shift in market demand.
🟡 Base Scenario: $0.20–$0.28
This is currently my more realistic scenario.
XLM is trading near $0.18, so reclaiming $0.20 would be the first important step.
If Stellar's ecosystem continues growing while the broader cryptocurrency market remains stable, a move toward $0.22–$0.28 before the end of 2026 looks achievable.
🔴 Bearish Scenario: $0.11–$0.15
If Bitcoin enters another major correction or investors continue moving capital away from altcoins, XLM could fall back toward $0.15 or lower.
Short-term technical pressure is already visible, with recent support developing around the $0.17 area.
Key XLM Levels to Watch
$0.17–$0.18 — current support and consolidation area.
$0.20 — first major psychological resistance.
$0.25 — important recovery target.
$0.30 — major bullish breakout level.
$0.40–$0.45 — strong bullish target zone.
$0.12–$0.15 — major support during a deeper correction.
My XLM Outlook
My primary target range for XLM by the end of 2026 is $0.22–$0.30.
The most important level for me is $0.20.
If XLM can successfully break above $0.20 and hold that level with increasing trading volume, the next important targets could become $0.25 and $0.30.
What makes Stellar particularly interesting is that its story is no longer based only on the promise of cheaper international payments.
The network is increasingly being used for tokenized funds, private credit, stablecoins and institutional settlement.
That gives XLM a fundamental narrative connected to two major crypto trends at the same time: global payments and real-world asset tokenization.
The biggest question is whether increasing network adoption will eventually translate into stronger demand for the XLM token itself.
If it does, XLMUSDT could become one of the more interesting large-cap recovery opportunities during the final months of 2026.
This article is for informational purposes only and does not constitute financial advice.
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