XLM

MHSN_WEB333

People often confuse token price with network cost. XLM and XRP fees are fixed and adjustable, designed for spam prevention, not revenue. Higher price ≠ expensive transactions.

Ok-War-2570

I would add XLM to that but that's a perfect start

BONERFLEX_

Not financial advice. BTC and ETH are my safest long-term bets/gambles. I like QNT, XRP, H-BAR, LINK and XLM as my high risk long term bets/gambles. There are plenty of other coins that can do well. Do your own research and don't invest anything you are not willing to loose. You will be down 5k tomorrow and up 10k the week after. It's a rollercoaster. Good luck at the casino.

WIRED_REFLEX

I had to look, you didn't disappoint. This is theft🤣 Crypto Withdrawals (to External Wallets) Revolut Service Fee: £1 (or equivalent) for XRP, XLM, DOT, SOL, AVAX, XTZ, ALGO, ADA £3 (or equivalent) for most other cryptos.

everydaythrowaway82

Look up ISO 20022 coins.. most every one is pretty good.. I’m partial to HBAR, XDC and XLM… Chainlink and Sui are good too

Hungry-Let-3012

Adding some ISO20022 aligned projects is even better (QNT, HBAR, XLM, XDC, XRP, ZBCN).

uthillygooth

lol you have to be a bot “like VET, XLM, LINK, AVAX have all dropped to near pre-bull run prices.”

IceHand41

Focusing on Stellar DeFi. Got into XLM years ago and finally realize the price is not likely to moon. In fact, it just keeps going down. But stellar alt coins like BLND (blend capital), AQUA (Aquarius DeFi) and PHO (Phoenix hub) allow you to earn passive rewards on your crypto in various ways. 90% of the coins I hold are down in price, but I'm still net positive thanks to the rewards from DeFi.

RastaBooties

>like VET, XLM, LINK, AVAX have all dropped to near pre-bull run prices. That's what people holding dead projects from previous cycles thought, QTUM, NEO, IOTA, EOS, XEM, all these coins were the shit back then, but they just went lower and lower and lower....

AutoModerator

Post is by: Business-Average-977 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1q0pl4g/anyone_else_feel_like_the_market_is_just_shaking/ I get the bear argument. 4 year cycle this... inflation that... ect ect Alts have come to price levels that just flat out don't make sense. And im talking GOOD projects... not junk meme coins. like VET, XLM, LINK, AVAX have all dropped to near pre-bull run prices. Are you buying? waiting? DCAing? Something on my shoulder is telling me I'm going to regret not taking advantage of these prices. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

cedarrapidsiaus

Diamond hands for Hbar XLM, maybe IOTA the others i don't know enough about

Particular_Peach_508

BTC/ETH/ICP/LINK Maybe XRP & XLM.

_interweb

What are people’s thoughts on the chance for XLM to go up from here? Quite an interesting chart to me

Gargoyle0ne

XLM, maybe. I sold it and bought bitcoin (probably not for a profit). I might do the same with ADA if I can sell it for more than a bought it dor

fan_of_hakiksexydays

I've been using it multiple times a year, every single year, for the last 8 years. I obviously use it a lot more for online purchases than brick and mortar. But I have purchased my groceries with my gains in the past at Whole Foods. The only reason I don't use it more is because I've used LTC and XLM more for purchases in recent years, because speed and fees.

The-Receiver

Just use XLM

phallicpunch

The only one of those I would hold would be XLM & would take it onchain to slowly grind back via some of the projects they have like Aquarius & Blend. If not that then I’d probably hit Beefy, Aave, vfat, Aerodrome, Morpho on Base & grind with Bluechips using a strategy you stick to. If you take the loss right now you either save yourself from further losses or hate yourself because some djinn will rocket the market & leave you behind.

tornavec

The entire investment strategy for XLM boils down to it being a Ripple fork — a less successful one, like most forks of major cryptocurrencies. Will Stellar's market cap grow? You need to look at how Ripple is doing. And things aren’t great for them: the company is deeply entangled in connections to the Trump family. Right now, that’s a major downside.

biba8163

> What's your strategy on XLM? Warn NOOBs like you who keep falling for bullshit shitcoin hype who haven't yet learned from countless shitcoins with shitcoin hype, bullshit partnerships and scam use cases to that lured fools to buy their token and flushed their money down the toilet. > IBM ipartnering with Stellar to build the World Wire on the Stellar Network for open source financial services network https://www.signifytechnology.com/blog/2018/07/ibm-to-use-str-coin-on-stellar-blockchain > Cardano is going to digitize identification in Africa and IOHK is helping trace Ethiopian coffee beans through the supply chain. https://www.coindesk.com/markets/2021/04/30/cardano-in-africa-inside-iohks-ethiopia-blockchain-deal/ > IOTA's partnership with Volkswagen, Jaguar, Bosch, tracking data and earning while you drive. https://www.jaguarlandrover.com/news/2019/04/money-earn-you-drive-jaguar-land-rover > Vechain partnered with countless companies including Walmart and BYD (largest EV manafacturer in China) with supply chain and carbon tracking memes. https://twitter.com/BYDCompany/status/1037605045309591552 > ICON had a partnership with Samsung and a ton of other companies. https://globalcoinreport.com/icon-icx-partners-up-with-samsung-thanks-to-chain-id/ > Constellation Network to Provide US Air Force With Blockchain Security https://www.coindesk.com/business/2021/08/26/constellation-network-to-provide-us-air-force-with-blockchain-security-for-data-sharing/ > Factom partnership with the US Department of Homeland Security for immutable data ledger on multiple blockchains. https://www.dhs.gov/science-and-technology/news/2018/06/15/news-release-dhs-awards-austin-based-factom-inc-192k > The South Australian Government conducting official election using a blockchain-based voting system (using Horizon State) https://micky.com.au/blockchain-technology-used-by-south-australian-government-to-conduct-election/

AutoModerator

Post is by: CSP2806 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1pxbdnz/perché_accumulare_xlm_a_lungo_termine_potrebbe/ Ok, lo so… tutti cercano la crypto che esplode da un giorno all’altro. Il pump del momento. Il +200% in una settimana. E intanto XLM sta lì, tranquilla. Stellar non è nata per fare hype. È stata progettata da Jed McCaleb, sì, lo stesso che ha fatto Ripple. Uno che sa davvero come costruire roba che funziona nel mondo reale. E questo è il bello: XLM ha un’utilità concreta. Non serve solo a scambiarsi soldi, ma viene usata per pagamenti reali, rimesse, infrastrutture digitali… roba che magari non fa notizia, ma cresce silenziosamente. E ora c’è la novità che mi ha colpito di più: partnership con alcune isole, dove Stellar serve a rendere più facili i pagamenti locali e l’inclusione finanziaria. Non è hype, è roba vera che entra nelle vite delle persone. Quindi sì, non ti renderà ricco in un mese. Ma se guardi a 5 anni, accumulare XLM potrebbe davvero pagare. Io non lo dico come consiglio finanziario, ma… se fossi io, comincerei a guardarci seriamente. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

PirateSKB

XMR is good for security, Nano is fast is feeless, XLM is fast and takes very little time to transfer funds, BNB is basically a more centralized version of BTC but does better smart contracts than BTC, Litecoin is still around ironically and moves funds cheaply, USDC and USDT are important as stablecoins Etc

IssaKiller21

Choosing between assets like XLM or HBAR for a five year hold really comes down to how you view their use cases and adoption potential because each project targets a slightly different niche in the payments and enterprise space. Long term holds require confidence in fundamentals and network growth rather than hoping for short term gains. At the same time I also think about ways to participate in the blockchain space that are tied to real world economic value and not only token selection. Platforms like Fractionvest io offer tokenized fractional ownership in real world assets such as property or energy projects which gives a different type of exposure that connects innovation with tangible value alongside your crypto holdings.

Aromatic-Ad7987

I hold both but a little more hbar and beyond that i hold a couple of hbars partners Namely Sealsq and Dovu. With XLM you know what youve got with payments. Hbar has had alot of news lately, there are some that joke its news about future news but i would suggest you check the hbar sub again ... from sealsq/wisekey quantum proof computer chips to Neuron/4dsky building a new radar system to account for drones as well as larger aircraft. EQTY lab and verifiable AI all being built working with hedera hashgraph

MHSN_WEB333

Honestly, both XLM and HBAR have been around long enough to prove the tech works, but adoption is the real question. HBAR looks stronger on partnerships, while XLM feels more established in payments. I don’t think it’s a clear winner either way. What’s the main factor you’re using to decide?

thats_gotta_be_AI

Buy XLM or even FLR as proxies to XRP. XLM is essentially trading at 11 cents measuring against its old circulation (100bn). FLR is not far off a multi year floor price.

stories_from_tejas

I got burned when cardano had its run to ATH and Cuban was pushing it. I think I was up 300% at one point and kept holding. Very small amount overall but that’s been a wild chart to watch. XLM was another one people held on to. Don’t get me wrong a lot of people made profits on these alts in the past 5 years. What’s sad is that a few years ago alts felt like a cool modern punk rock type of thing to buy and hold. A counter cutler of crypto believers that saw the split from traditional banking and also away from the big brother watching our lives. Now it’s turned into a laughing stock with first time crypto investors yolo on hawktua coin or Trump coin.

cryptolipto

Every bank will launch their own stablecoin. XRP, LTC, XLM, NANO, and every other cryptocurrency you think will be used for payments is being ignored in favor of stablecoins. Look at the direction the industry is headed in and see where actual adoption is taking place and rethink your hypothesis if it doesn’t match the real world trend

biba8163

> altcoins bleeding like hell… (always has been) **Alt Coin Mirage of Outperformance** Alts can outperform BTC: - When they are tiny/small marketcaps and are gaining prominence - When they dump to kingdom come and are lucky enough to recover Rookie Mistake: - Thinking that Alt that outperformed when it was a small cap will continue to outperform - Thinking your Alt is going to recover Veteran Mistake: - Thinking an Alt is outperforming when it is massively losing value to BTC in the long run - Thinking an Alt is outperforming when it only does a big move after dumping -50% to -90% and the net return if you held is significantly lower than BTC or any other traditional asset you could have invested in - *Example: ETH appears to be a big outperformer but it's an underperformer that only performs after a massive drop (-92% from ~$1400 to ~$80, $4,000 to $1500 last year, etc).* **Cryptos from mid-2017 when crypto became a big marketcap* | Crypto | Since Jun. 2017 | Since Jan. 2018 | Since Nov. 2021 | |--------|----------------|----------------|----------------| | BTC | ⬆️ +3509.08% | ⬆️ +434.83% | ⬆️ +31.43% | | ETH | ⬆️ +721.67% | ⬆️ +155.23% | 🔻 -37.97% | | XRP | ⬆️ +640.42% | 🔻 -43.33% | ⬆️ +51.73% | | DOGE | ⬆️ +4167.49% | ⬆️ +655.97% | 🔻 -52.88% | | LTC | ⬆️ +159.21% | 🔻 -73.10% | 🔻 -70.56% | | XMR | ⬆️ +851.05% | 🔻 -7.04% | ⬆️ +48.48% | | XLM | ⬆️ +482.15% | 🔻 -69.12% | 🔻 -47.75% |

biba8163

**Alt Coin Mirage of Outperformance** Alts can outperform BTC: - When they are tiny/small marketcaps and are gaining prominence - When they dump to kingdom come and are lucky enough to recover Rookie Mistake: - Thinking that Alt that outperformed when it was a small cap will continue to outperform - Thinking your Alt is going to recover Veteran Mistake: - Thinking an Alt is outperforming when it is massively losing value to BTC in the long run - Thinking an Alt is outperforming when it only does a big move after dumping -50% to -90% and the net return if you held is significantly lower than BTC or any other traditional asset you could have invested in - *Example: ETH appears to be a big outperformer but it's an underperformer that only performs after a massive drop (-92% from ~$1400 to ~$80, $4,000 to $1500 last year, etc).* **Cryptos from mid-2017 when crypto became a big marketcap* | Crypto | Since Jun. 2017 | Since Jan. 2018 | Since Nov. 2021 | |--------|----------------|----------------|----------------| | BTC | ⬆️ +3509.08% | ⬆️ +434.83% | ⬆️ +31.43% | | ETH | ⬆️ +721.67% | ⬆️ +155.23% | 🔻 -37.97% | | XRP | ⬆️ +640.42% | 🔻 -43.33% | ⬆️ +51.73% | | DOGE | ⬆️ +4167.49% | ⬆️ +655.97% | 🔻 -52.88% | | LTC | ⬆️ +159.21% | 🔻 -73.10% | 🔻 -70.56% | | XMR | ⬆️ +851.05% | 🔻 -7.04% | ⬆️ +48.48% | | XLM | ⬆️ +482.15% | 🔻 -69.12% | 🔻 -47.75% |

Ecstatic-Oil-Change

Meh, I see potential with ETH. Solana too. XRP and XLM are the wildcards. It’s not as if I’m investing in PEPE or Bonk, or Shiba.

biba8163

**Top Performers/Survivors from the Summer of the Flippening (2017)** https://coinmarketcap.com/historical/20170615/ | Crypto | Price Change | |--------|--------------| | DOGE | ⬆️ +4167.49% | | BTC | ⬆️ +3509.08% | | XMR | ⬆️ +851.05% | | ETH | ⬆️ +721.67% | | XRP | ⬆️ +640.42% | | XLM | ⬆️ +482.15% | | LTC | ⬆️ +159.21% | | ZEC | ⬆️ +3.34% | | ETC | 🔻 -32.61% | | DASH | 🔻 -76.10% |

Herosinahalfshell12

Yeah but what I'm saying is, those 2 features cost and speed. That's already been addressed right? Like everything from Doge to Harmony One to XRP to XLM and countless others. They've all achieved that. If a new cook comes out that's like whoa this one settles really fast! That's already been solved.

blockhead92

Stellar and XLM, just look at DTCCs public job descriptions. The infra is already entrenched 

cedarrapidsiaus

100% good thinking here. Although if XRP was created (opencoin back then) on the behalf of the entities behind the fed. it would be common sense they want xrp a part of the future and to be a valuable asset because they would profit insanely. Visa and Swift creating their own coin limits their potential profitability substantially. Visa and swift are miles behind the XRP ledger and the Stellar Network. Swift doesn't transfer value cheap. Visa can be argued as cheap compared to swift but is no where near as cheap as XRP/XLM/HBAR transactions. It's also the cross border mechanism you didn't mention. Going through Swift and visa takes days and aren't cheap to exchange currencies across the world. They especially aren't cheap with the transactions are large sums of money. XRP and XLM solve this. Also, transactions CAN be reversed running on the XRP Ledger and Stellar Network. The only transactions that aren't reversible would be if we were sending the underlying assets (XRP or XLM) or native coins. However stable coins running on these DLT's CAN be reversed. So XRP and XLM are much cheaper, much faster, way more scalable providing liquidity and utility never seen before, more secure, smart contract capable, and have the capability to tokenize any source of value to their ledgers and transact it in real time across the world instantly and insanely cheap. Vehicles, precious medals, real estate, data, the stock market, and more can and most likely will be tokenized in the future. XRP and XLM are in prime position to capture some of that market share.

twendah

Not even single mention its made on top of Stellar - XLM lol

cryptolipto

I’ve been saying this for years now but it seems like people are finally coming around and accepting it. Lots of arguments with the nano community, but every volatile asset will lose out to stablecoins. It doesn’t matter if it’s nano, XRP, XLM, Ltc, BTC, or anything else. The genius bill paved the way for stablecoins to be used legally, and that’s what is happening

samsimon123

just facts - XLM can do and more what XRP can! PYUSD and USDC can do what XRP can! Even Ripple stable coin now launched can do what XRP can!

Distinct-Presence52

Nano and Stellar have solved this. XLM has PoS systems developed and XNO has no fees and instant processing.

FourScores1

XLM and XRP. It’s in their patent.

Blooberino

XLM is my preferred money mover for over 5 years. Quick, cheap, and it's available on every exchange.

trdtr500

I don't get why some of these alts aren't cratering more though. Still too high. I'll risk it on them, but what's keeping them so high? XLM, for instance.

FrankSlipHelp

>RLUSD first, XRP not mentioned. Ouch. I understand and can see you don’t know what you don’t know, the reason this is big for RLUSD is because of regulation and compliance. >first for $RLUSD, setting the highest standard for stablecoin compliance with both federal (OCC) & state (NYDFS) oversight. XRP does not have oversight. XRP isn’t tied to any single country, issuer, or banking system (the X in a ticker like XRP, XLM, XDC represents no single country, issuer, or banking system), and stable coins like USDC, USDT and RLUSD are issued by companies under U.S. or other jurisdictions, this adds counterparty and regulatory risk and why they operate under regulations and oversight. Each stablecoin token represents a claim on Circle, Tether or Ripple’s reserves and must operate under their respective regulatory obligations, that is counterparty risk a native asset like ‘X’ assets do not have, when XRP is used the sender holds it, they directly control it on chain via their keys, there’s no redemption promise, no issuer, and no entity that can freeze or revoke it, therefore no counterparty risk. USDC/USDT/RLUSD adds counterparty and regulatory risk because it depends on an issuer’s compliance and solvency and XRP does not because it exists independently of any central authority. To you, you see no mention of XRP and that must be a negative in your head. The truth is there is no reason to mention XRP because the whole statement by Brad is about regulation and compliance of their stablecoin, the asset they own and issue. Ripple did not create XRP, nor have they ever issued it, they do now ‘own’ it. To speak of XRP in this statement would make zero sense because XRP does not have a central authority to regulate.

jormor4

What do you all think of the future of DOGE? I’ve been wondering if its it’s too silly to earn the respect of new big money and too big to be a real moonshot at this point. The ties to Elon were once viewed as positive but sentiment there has shifted majorly too. I hold some but will look for an exit when the time is right. It’s insane to me that it’s got a much bigger marketcap than LINK, XLM, XMR, LTC, etc.

NorskKiwi

IIRC I'm paying around 2% to loan bnUSD via Balanced Network. Can use ETH, SUI, SOL, AVAX, XLM and a bunch of other assets as collateral. You could then swap it on their DEX to native USDC on any of those chains.

ElderWarriorPriest

XRP. Cross border payments. Faster, cheaper than swift. Or XLM, prolly a couple others.

Emergency_Egg1281

Pressure point for BTC = 70K. BTC goes under that number and utility tokens are going to run. Look for gains on ALGO , XRP , XLM and a couple other big boys. BEFORE end of this month could see a pump. Still may dip more first but my bags are packed waiting for this one.

Everythingworxout4us

Don't forget about alts with utility like XRP, Zebec Network, Proton XPR, XDC, Hbar, XLM, Quant, Metallicus etc not financial advice (NFA) ofc 😁🙃

rowdycoffee

My favorites are as follows: Hedera HBAR - hashgraph tech is superior. Chainlink LINK VeChain VET Stellar XLM XRP- but this coin has a short leash for me. I am not sold on its complete blockchain capability, but it is popular. Quant QNT JASMY is risky but has high reward potential. I am sure there are other great projects, and this is not financial advice. We are still early, and there is no guarantee that any of these get mass adoption.

Americanmalayalee

If you want the most credible ISO 20022 cryptos, stick to: XRP, XLM, XDC, IOTA, ALGO, QNT

Impressive-Future279

Just my opinion - Bitcoin (obviously), Ethereum, Solana, XRP/XLM, Hedera, and Chainlink.

RamoneBolivarSanchez

Retarded bank says XLM is better than BTC because it’s centralized. Keep moving people, nothing to see here

FrankSlipHelp

How did that work out for Stellar when they burned XLM?

DeezNutzRDesigner

exactly they are using XRP considering that’s what the banks are using and the Unbanked will use XLM

DeezNutzRDesigner

No it’s not. XRP and XLM are the money people are actually starting to use. bitcoin will go to zero it’s a CIA/NSA/human trafficking pedo Psy-Op it has 0 place in the new quantum financial system which is led by the soon to be Worlk Bank aka Ripple IYKYK Next christmas 🫡

L0ckeandD3mosthenes

They have always been upfront about this part. The question I ask now is.... Does XLM operate the same way? Do they dump millions of coins monthly.... I ask because the creator of XRP also created XLM after leaving XRP because he didn't like how things where going and thought their decisions would effect its success over time. So anyone know if this is how XLM operates as well?

7101334

> You can send money internationally for free! Only catch is you have to spend hours making it work with all these online accounts and hard-to-understand "wallets" and a bunch of randoms are going to try and hack you! But once it's setup you can pay $0 instead of $2.99 to lend your third cousin from Zimbabwe that hundred bucks! That's a big deal for people who send remittances. Remittances and buying drugs online are two of the only actual use cases for crypto. But NANO / XLM do the former better than Bitcoin and XMR does the latter better than Bitcoin (allegedly).

7101334

Yeah that's the key I think. For ETH, being useful doesn't translate to price action. I think ALGO had a similar story on a smaller scale but also had absolute morons spending money on things like advertising. NANO / XLM are other good examples. They do what they do perfectly and with basically no network fees... so the price doesn't move even though they provide a valuable service (zero-cost remittances, or at least often cheaper than banks if you consider exchange fees)

jetzfan204

But what do yall think about XRP XLM HBAR? Only 3 I own atm

Grunblau

For 5 plus years, we have known that swift system would be abandoned for a new digital rail. The main narrative for XRP, XLM, QNT, ALGO, XDC, HBAR… was this change over. This happens over this weekend and the maintenance window that ends the MT coexistence finishes at 00:00 GMT on November 23, 2025. From that exact moment forward, cross-border payments must be in ISO 20022 format. Picture scene from National Lampoon’s Christmas vacation. Probably nothing, like the first time Clark plugged in the lights…

PMmeuroneweirdtrick

40%, these are my bags though and only account for 25% of what was my portfolio. I sold the other 75% at a profit. Will DCA down on the remainder- it's Sol, HBAR, XLM so should bounce back to profit eventually.

JustStopppingBye

Just to clarify, ISO20022 is not a blockchain protocol or consensus mechanism, it’s a messaging standard. [https://youtu.be/hdLjIVlA\_DA?si=hZPNstwmL7cAR0J8&t=1410](https://youtu.be/hdLjIVlA_DA?si=hZPNstwmL7cAR0J8&t=1410) Chainlink worked directly with swift on ISO20022 to include blockchain components to it and sections of the standard related to blockchain. This means chainlink has infrastructure (CRE) that can listen to iso20022 messages sent via Swift and can then trigger on chain actions, [seen here](https://www.coindesk.com/business/2025/09/30/chainlink-ubs-advance-usd100t-fund-industry-tokenization-via-swift-workflow). *"In a pilot with UBS, Chainlink’s Runtime Environment (CRE) processed subscriptions and redemptions for a tokenized fund using ISO 20022 messages, the international standard for financial messaging used by Swift."* So what does means for your shitcoin that claims to be iso20022 compliant? Well being “iso20022 compliant” just means that a system can format messages in a way consistent with that standard. It doesn't give you access to Swift or guarantee interoperability with Chainlink’s infrastructure. And what does this mean for chainlink? Well, it positions Chainlink as the backbone for bridging traditional finance (banks + Swift) with on chain tokenized assets in a standard compliant way. Heres the fake ISO20022 list: * **XRP** * **Stellar (XLM)** \- [Adopted Chainlink CCIP](https://stellar.org/blog/foundation-news/stellar-to-join-chainlink-scale-and-adopt-data-feeds-data-streams-and-ccip-to-power-next-gen-defi-applications) * **IOTA (MIOTA)** * **Algorand (ALGO)** * **Quant (QNT)** * **Hedera (HBAR)** [Adopted Chainlink CCIP](https://hedera.com/blog/hedera-adopts-chainlink-standard-for-cross-chain-interoperability-to-accelerate-ecosystem-adoption) * **XDC Network (XDC)** [Cant find an article, but they claim here they integrated CCIP](https://youtu.be/4j12gnCSegU?si=5cfudjXgccIBxKqn) * **Cardano (ADA)**

zowhix

And just to give a practical example that probably resonates better with you; your post history regarding the financial markets, be it crypto or stocks. Mentions of being heavily positioned in crypto during summer 2017, advising on risk-management and taking profit, while giving an overall positive vibe. 3 years later in 2020, asking for advice on biggest % movers in stocks in the last 1-15 minutes. This combines high volatility and short time horizon, and unfavorable odds of profitability for an amateur. Then in the summer of 2023 there's a post regarding BBBY, a company which had filed for bankruptcy a couple months prior in April 2023. Closing words for the post include "sit back and enjoy the ride". Assuming this meant a long-sided position was in play, it would exhibit risk-seeking behavior yet again by taking a gamble on a bankrupted company. And finally in November 2024, there is a conviction post regarding XLM and how "early" you are after a +500% pump in the last 18 days on a project that practically speaking is just as pointless in the real world as it was all those years ago. All the while elsewhere commenting on that day that the "initial runup hasn't really even happened yet", which was based on past price information in the form of "It retraced 50% after big moves in 2021, while now only 15% after 5x". So utilizing limited reasoning for a financial decision. The additional insinuation of this is the unlikelihood of considering profit taking, exhibiting more risk-seeking behavior and possible limited understanding of other factors such as constant dilution of "projects" with no practical value, while having a market filled with more attractive and reasonable opportunities elsewhere (opportunity cost). Opportunity cost is probably also partly the reason why alt, late-stage memes and such did not pump more than a short period. Too many other opportunities, resulting in quicker profit taking which ultimately punished long-term holders of questionable assets with unrealistic expectations based on the past. Again, likely somewhat limited reasoning by not considering that as a possible factor that could alter outcomes. I find it unlikely that in many cases you ended up coming out on top, but rather you getting burned. You were in the crypto space since mid 2017. Buying and holding BTC would have made yielded some nice profits thus far. But of course it is unlikely that you'd held through all this time as people tend to play themselves out of the markets. And finally, here we are, playing the victim card. Whether or not any of this has anything to do with your view on the markets (likely to have some effect), I don't know. But I do know that your post history indicates the typical poorly managed risk-seeking behavior of retail that results in net negative returns over the long-term. Apologies for slapping your post history in your face.

Ecstatic-Oil-Change

Kinda glad it stayed down. I was torn though. I wanted to do my standard $25 to XLM, Ethereum, Solana, and $40 for XRP, and $100 for BTC. I said “fuck it” and bought $250 worth of BTC. I get the rest of those are down too. But it’s kinda hard to buy the rest when this is likely as low as BTC will get.

destinationexmo

If I had to guess it has a lot to do with a lot of the Crypto Crack downs that are going on and/or new regulations coming into place. It has privacy features that make it easier to obfuscate transaction details for legit reasons but also for those who want, nefarious reasons. The sad reality is there will always be a % of bad actors using Crypto and it does create a market. XLM was the go too for a long time but if you paid attention to it over the last year you will see many exchanges started to delist it due to a lot of regulatory and governmental pressures. When an illegal crypto case was traced to a monero conversion and exchanges subpoenaed for information the exchanges couldn't always provide the information so they were fined or threatened and thus forced to delist monero or tighten their AML. I can't say for sure but I suspect we will see something similar happen to Zcash at some point. I don't think it's a coincidence There is strong BTC <> Zcash conversions taking place and it's currently easier to cash out of Zcash than XLM.

blockhead92

Stellar (XLM) has so much going on, and development is accelerating. Real people use it as part of daily life in LATAM, and enterprise adoption is sticky. Happy to share more info about user apps if you want to explore; never been a better time to get involved 

LewiShalhoubs

Sui, QNT, XLM, Hbar

I_Dont_Collect_Fish_

All of them are BS dude. XLM Is the only coin besides BTC that seems to make moves with actual companies and contracts. They aren’t new and exciting but that’s a point in their favor. They just continue to work silently on the stellar network, which I NEVER see mentioned on reddit. I don’t own that much of it myself. BTC is the only one that makes sense to buy buuut I have had big bags in the past of XLM that have saved me. So I will just throw 50$ or 20$ on xlm when I remember to, so I can grow the bag back for the future.

SteamedHams01

Anyone who's actually used Bitcoin or Eth for transferring funds knows they are unreliable and slow. XRP and XLM are far superior for this purpose.

Charger2950

If morons would stop putting their money in stupid shit coins with zero utility value, like Fart Coin, for example, the market would vastly improve. If you're going to invest in crypto, put your money into ones that are like stocks....companies with actual real-world utility value that is being utilized and will get bigger. Coins like XRP, HBAR, XLM, ADA, etc.

samsimon123

XLM can do and even more what XRP can! Also USDC, PYUSD and now even ripple launched their stable coin - all can do what XRP can.

Previous_Valuable873

You mean XMR maybe...? XLM is different :D

Patrickk_batemann

XLM, Cronos, ADA, XCN by 10-35% I might be cooked, specially with XCN

jrb196

XLM, XTZ, ICP, you'll thank me later.

Django_McFly

They didn't kill anything. XMR didn''t set new highs in 2021 bull. XNO didn''t set new highs in 2021 bull. BCH didn''t set new highs in 2021 bull. EOS didn''t set new highs in 2021 bull. XLM didn''t set new highs in 2021 bull. There's actually tons of tokens that saw their peak in the 2017 bull or earlier and have never recovered. Alt season has *NEVER* everything sets new highs. Alts did trade at elevated prices though. That totally happened. That's always been the reality of alt season. This one was no different. If it felt different, it's because you bought big bags of the new EOS. You picked up fat stacks of the new XNO. You thought ADA was the new ETH. Turns out it's the new XLM. For next cycle, by low and don't buy dogshit with no traction. If you actually use this stuff, it's not too tough to spot what's getting adoption and what's just blowing hot air and shedding users or TVL all over the place or is the same as everyone else but spinning it as grand revelations.

Facedownfinsup

Interesting. I just read this entire thread and in my humble opinion, there are many coins worth something besides BTC and ETH. For example XRP is a utility coin. The world switching to XRP as a bridge token is like upgrading from a flip phone to iPhone…. It’s faster, does it better, looks/sounds cooler. Then there’s the many other projects I see doing well in the next 5-10years, as more and more people turn to Crypto. They’ll see the price of bitcoin and say noooo way, and go searching for a coin they believe in - I think we got in early. There are also crypto with major major players involvement - I think HBAR has Boeing, Microsoft, google, a bunch of others ? Don’t see that one failing due to the sheer volume of top companies invested. But it’s not going to moon overnight, either. It’s a long term hold. My take? Stack Bitcoin. But if you have a crypto you believe in (I have my eye on a few), stack those too. Diversify. Keep Bitcoin as your “savings account” and then have your moonshot coins that you could see going somewhere in 5-10 years. Soooo many people jumped into alts this season with rose coloured glasses expecting to get rich in a few months. I’ll admit, I was eyeing 10$ XRP this year. Instead they got the regular crypto market… highly volatile. Nothing certain. Add in Tariffs, Govt shutdowns, talks of civil wars? Of course investors are hesitant. But yeah I do believe price is being manipulated lower this cycle - it’s anyone’s guess as to the reason. My take is mega rich elites don’t own enough of it yet so they need to shake out retail investors before the dollar devalues and we go digital currency. In which case, it just may be stablecoins backed by Bitcoin, but there are still a lot of other useful Crypto’s with real world utility that have a place within that system (XRP, XLM…) It’s just been a bumpy ride to get the regulations for these assets but if you follow the company, it’s coming.

wobes11

Exactly, that’s how I made money. I bought CRO, XRP, XLM, years before the blow ups earlier this year. I sold some and moved into Bitcoin…I’ll be holding for 10-20 years.

yann1i

Xrp was trading for around 0.4 start of Trumps campaign for presidency when he won Cryptos pumped XRP then made its move to around $3.10-$3.40 you are just late XRP and XLM were amazing to buy in August in 2024

BenniBoom707

Here is the 1 year growth for the top 10 Alt Cryptos (no Meme Coins included): 1. ETH- 53% 2. BNB- 90% 3. XRP- 385% 4. SOL- 10% 5. TRX- 77% 6. ADA- 69% 7. HYPE- 1230% 8. LINK- 51% 9. XLM- 225% 10. HBAR- 325% Bitcoin is up about 58% in the last year. 7 out of 10 of these Alt Coins outperformed Bitcoin, and a few of them extremely outperformed Bitcoin. Bitcoin is great for a store of value and it will always go up overtime, but you will have the largest gains investing into Top Altcoin projects. Last year, instead of buying Bitcoin, you could have diversified into these ten projects and beaten Bitcoin by far. Also would have been a lower risk investment because not all of your eggs would be in one basket.

Facedownfinsup

It’s like any stock… what company do you believe in? Future is going digital, whether that’s 5 years, 10 years, 20 years (I don’t think that long). There will be a need for utility coins. The allure to altcoins is, if you get in early enough, you absolutely can become wealthy. But… you have to pick the right one. And you won’t get rich overnight (esp with utility coins - they need actual utility. Are you prepared to wait for that to happen as the world changes or are you going to sell after holding for a couple years without much excitement) Do your research - I’ve got about 8 crypto investments. BTC - ETH (because I prayed and for some reason Ethereum popped into my head when I’d never even considered putting anything into Ethereum) … XRP, XLM, HBAR, SOL Is it pointless to hold the other coins? Depends what your definition of pointless is. They could skyrocket. They could fail. I personally can afford to lose the 4,000$ or whatever I have into XRP. Hey, I’ve never been great at saving money in the first place (I’m a spender) so it’s cool to be able to spend it on projects and companies that I see doing well with the *potential* to bring wealth should one or two of them hit. And then I will re invest again if I do make money for my children and their futures. And yeah I’m DCAing Bitcoin as well but I definitely have my “potential moonshot” projects where Bitcoin is just like, okay, I don’t have much but I’m buying it because if it hits 1M or something I’ll hate myself for not buying some now. And if Bitcoin hits 1M, you can bet a few other coins will have gone up pretty substantially as well.

Illustrious-Gold4450

It’s easy to feel lost when every project claims to be the next big thing. But I think the real future’s in infrastructure and real-world use: XRP and XLM actually move value, and Vaulta’s building the kind of web3 banking layer that could tie it all together.

Illustrious-Gold4450

Yeah, SOL’s solid, but I’d look more toward real-world utility plays. XLM and Vaulta are building around web3 banking, faster settlement, on-chain finance, and real coordination between institutions. That’s the kind of foundation that actually lasts long-term.

AutoModerator

Post is by: Serious_Bell_5594 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1okm3m8/money_man_crypto_luv/ I mean do ya'll hear him!?!? "treat you like some Xrp lil baby I'll invest in you" then mentions "XLM" "NVIDIA" "COINBASE" "ROBINHOOD" "LILPEPE" "SHIBA" "PUDGEYPENGUIN" "SUI" this is it we were right boys lets HOLD AND RIDE *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

biba8163

OP doesn't understand what's happening. It's not the institutions that are getting rich off you but the Shitcoin Robber Barons who have become billionaires by dumping worthless premined shitcoins on gullible investors. Charles Hoskinson is a billionaire off from dumping ADA and now owns 11-000 acre ranch, is involved in politics to supporting RFK then Trump with his own PAC, recovered alien remains from the ocean floor and invested in genetically engineered bioluminescent plants that produce organic lighting! All the money came from dumping ADA on shitcoiners and ADA is still below 2017 prices: https://coinmarketcap.com/historical/20171231/ > **"Charles Hoskinson, Jack of All Trades:" Aliens, Cattle, and Plant Genetic Engineering** https://www.chaincatcher.com/en/article/2171707 > **Wyoming Blockchain Billionaire Has Big Political Plans, To Launch PAC** https://cowboystatedaily.com/2025/01/30/wyoming-blockchain-billionaire-has-big-political-plans-to-launch-pac/ Jed McCaleb is a billionaire after dumping XRP and XLM (founder of both these token dumps) and is so rich he is launching a space station after scamming fools into thinking banks will use his X-Meme Coins > **Space station company Vast, founded by billionaire Jed McCaleb, acquires startup Launcher** https://www.cnbc.com/2023/02/21/jed-mccalebs-vast-acquires-launcher.html All the money came from dumping XRP and XLM on shitcoiners and XRP and XLM are still at or below 2017 prices: https://coinmarketcap.com/historical/20171231/ And looking at OPs history, it looks like he himself has fallen for a Token Dump! The HBAR Bull Scammer was shilling HBAR when it was at $0.20 in 2019, yes it dumped to kingdom come that year as the Token Dump Scammers kept dumping and dumping but it's still the same price in 2025, 6 years later as it was in 2019. Since 2020, 1,000,000,000 HBAR tokens (yes, 1 Billion per year) have been dumped on gullible people and the price 6 years later is still $0.20. I am sure someone has become a billionaire off this token dump too. > **2019 The HBAR Bull Case** > *If we assume that the nodes and token holders split the transaction fees 50/50* **with $0.20 HBAR that would be a 2% annual return for HBAR holders...most high growth tech companies not paying a dividend (FANG graphic with Meta, APPL, AMZN, NFLX, GOOGL) any return on an asset with the growth potential of Hedera is pretty impressive** > *The most conservative method of participating in the cryptcurrency revolution is to just invest in Bitcoin.* It's difficult to do the research and determine what the next hot Altcoin will be. **What's more likely, that investors have looked at the information and deteremined that Bitcoin will indefinitely take marketshare? Or are those investors simply overweight Bitcoin and they have come up with reasons why they can stop doing research into other projects with more potential return?** *The latter is more likely the answer* *(2019, HBAR $0.20) (Meta 300%, AAPL 400%, AMZN 160%, NFLX 315%, GOOGL 340%, BTC 1,050%, HBAR 0%)* https://youtu.be/RK39WZw7QOk?t=1399

CelticBlue22

i hope so.......these 500,000 XLM are burning a hole in my pocket........I WISH!!!

DCzy7

BTC, XRP, XLM & Gold

Ok_Education6042

Honestly, this is one of the most relatable posts I’ve read in a while 😂 The space moves so fast and every project sounds like *the next big thing* until the next cycle comes around. What helps me a bit is to separate projects by **use case** instead of hype, like payments (BTC, XRP, XLM), smart contracts (ETH, ADA, AVAX), infra/layer 1s (HBAR, Kaspa), and niche plays (Render for AI, Velo for remittances, etc). Then I try to see which ones actually *get used* or have real partnerships, not just whitepapers and promises. At the end of the day, nobody really knows which ones will survive long-term. The best you can do is diversify a bit, stay curious, and be ready to adapt. The confusion is part of the journey 😅

HorsedickGoldstein

Are you fucking retarted. Look at crypto prices 1 yr ago vs today. Please tell me what is “really that simple”? Can you point to the policies coming out of the white house that have “destroyed” the bull run. Let’s look at price changes 1yr ago vs today. 1yr Changes BTC Up 48% ETH Up 46% LTC Up 30% XRP Up 372% XMR Up 100% SOL Up 6% ADA Up 76% DOGE Up 6% XLM Up 220% If you lost money over the last year you’re just a terrible fucking trader or investor and are putting the blame on trump instead of taking accountability yourself. Disclaimer, no I did not vote for Trump. Just tired of people shifting the blame to other people. Trump didn’t click that buy or sell button to you. You just sound like a whiny little bitch🤡

Grunblau

If it gets really bad, I think the UN issues Stellar XLM.

Aromatic-Ad7987

XLM and Chainlink already have great use cases Hbar quantum resistant/proof tech Fast, cheap and carbon neutral XRP is more of a gamble but 20+ETF's for institutional investment and extremely agressive in business

dyinthecut

Your good. I would delete that #. Just hodle your XRP, XLM, Velo, SHX, HBAR, Avalanche

Additional-Net995

I think XLM is the one to watch as less energy consumption,  Bitcoin might suffer competing with AI enery requirements so on shakey grounds in next 2 years don't get caught out

coinluv

I can speak from experience. In 2017 I traded my Bitcoin(s) for all these great Alt coins and ICOs (Initial Coin Offerings). They went up and bust. After mourning my losses I started over in 2020. By strictly DCAing BTC I built a strong foundation that I don’t touch put in cold storage and it has consistently gone up and outperformed my stock. Now I do have a little “Vegas” fund to gamble with so I can FOMO and so far I’ve done well with XRP. I bought it @ .75. The others are; SOL, HBAR, LINK, XLM. I traded my ETH for ZBCN. Like I said this is my gambling pot. If they go up I’ll convert them for BTC. Some will win, some won’t, but my BTC stack will continue to go up.

Ebeon933

XRP/SHX/XLM +ETH. Anything that has to do with the way we pay for stuff or money is gonna be first to explode before whatever else.

Legitimate-Push2310

Don’t be dumb. Xrp. Hbar. XLM. If u can afford btc on a down swing try ur hand but.

biba8163

> Would you rather put your bet on the horse that's going to win, or the horse that was supposed to win? 2017 was 8 years ago. These coins are at the same prices or below what they were almost a decade ago. Almost a decade of dead money. Dead horses don't win races. > 2017 > - XRP $2.30 > - XLM $0.36 > - LTC $230 > - NANO $21 https://coinmarketcap.com/historical/20171231/

glasser999

Nano, XLM, LTC. They're all great. Ideally, I like them more than XRP. But it's also the real world, and the best solution doesn't always win. Who has the steam? XRP survived an SEC lawsuit, has legal clarity, and is still going strong with widespread support. Would you rather put your bet on the horse that's going to win, or the horse that was *supposed* to win?

phallicpunch

My advice for AERO is don’t simply buy to hodl as a gamble. Mercenary farmers will split your anus & then lure you back in just to use your ass blood as lube. You can make a lot of money with Aerodrome if you are actually using it as intended. Lock, vote & sell off the shit token bribes for either BTC, USDC/profit, and/or compound back in. I wouldn’t even swap bribes for ETH & own both, because AERO is just a leveraged ETH play with benefits. Also XLM over XRP for various reasons, but mainly because SDF is more heads down mission focused. Sadly it’s a painfully slow journey & it seems they often forget they actually have a token or are allergic to even mentioning XLM.

IceHand41

A bit of trading to increase my XLM and AQUA holdings, and a bit of Defi to earn yield with AQUA, BLND and PHO

SirShagggy

My “tuition” was an $1400 mistake with XLM to my ledger back in 2018, it happens, but THAT. F.

biba8163

> Hedera, XLM, Chainlink, XRP, Cardano You just need to realize what you can expect falling for Meme Tech coins hype narratives and fictional use case s > CCIP, CCID, VRF, Hocus Pocus Oracles Yet LINK price today is the same as it was 5 years ago in 2020. Exactly half a decade of dead money investing in it. https://coinmarketcap.com/historical/20200815/ > Nostro/Vostro, ODL, Japanese Banks Yet XRP price today is the same as it was 8 years ago in 2017. Almost a decade of dead money investing in it. https://coinmarketcap.com/historical/20171231/ > IBM World Wire, remittances, RWA, tokenized real estate... Yet XLM price today is the same as it was 8 years ago in 2017. Almost a decade of dead money investing in it https://coinmarketcap.com/historical/20171231/ > Ouroboros, Formal Verification, Scientific approach, peer-reviewed research,.. Yet ADA price today is the same as it was 8 years ago in 2017. Almost a decade of dead money investing in it https://coinmarketcap.com/historical/20171231/