XLM

futadic

Depends on your risk tolerance, if your only looking for modest gains follow the sheep, but why not take 10% and put into a moon bag of utility assets. Kasper, XPR proton, metal, stronghold, zebec all still cheap with potential. Or follow the money, XRP, XLM, HBAR, XDC, QNT, CHAINLINK, ETA tokenized assets are coming quickly and eventually everything will be tokenized and xrp will be the liquidity for banks and institutions. The old playbook for crypto investing is changing now the markets are becoming utility driven as finally regulation has allowed banks and other big players to invest. Xrp won its law suit against the SEC so it's a green light for banks and institutions to buy xrp, once they have shaken out weak hands it's rumoured xrp will very quickly rise with massive institution and bank investment, they have agreements with 50 banks already. Of course it's risky... you may make way more money than you know what to do with. Far safer just to jamb with the sheep, then they'll keep you company when it's time to be Shawn

blockhead92

XLM, watch out for news at the annual Meridian conference this week

ricdangers

HBAR, XLM, XRP, DOVU, LINK. DOVU most likely to melt faces it’s under a penny and ripping. HBAR prob best tech in the space imo. XRP/XLM… you either know by now or you don’t. Link is in good place with everything as well.

Initial_Connection65

3) XLM

BrightSelection5876

Focus on ISO20022 coins. XRP,XLM,ADA,HBAR, ALGO. LINK is another good one. Not financial advice.

PeaHonest4224

I also have several other coins, some Solana XLM and h bar and now flare

GrizzlyP33

Think you’re overlooking the finance assets (XLM / XRP) which are already serving a lot of practical use.

Aurowra

Invest into XLM right now it's cheap and gonna explode

IcyPossible7542

Look into XRP, LINK, XLM. Can never go wrong with BTC either

Feeling-Horror8247

I understand they might still be here i'm 10 years, the one I like it's XLM and tbh I don't see XRP with so much potential to grow, maximum $10-$15 it's not worth it imo.

Brandonva804

Don’t listen to this guy he wants you to put all cash in one asset. You will be exit liquidity. XRP, XDC, XLM, HBAR, QNT, will all be here in ten years.

Brandonva804

HBAR, XRP, XLM, QNT, XDC. Every last one of them will be here in 10 years.

Grunblau

Feels correct and seems to be hinted at in all directions. I see a moment of seriousness separating useful projects from speculation in crypto. There are a handful of projects that have been working with government(s) for awhile. Many have also been suspiciously quiet these days. Stellar is one of these. XRP is also too quiet. Algorand is trying to straddle the US/Italy fence. They are moving operations stateside in a bid to be seen as American. Hoping to reclaim its MIT origin. Hard to deny BTC unless Satoshi or the group that was Satoshi moves the coins. XLM, XRP, XDC (ALGO, QNT, ADA). AVAX is also entrenched in administration. Anything more specific? Also stacking PMs via paper, physical, and tokenized…

HaulBrass

It doesn’t matter if you can only buy a fraction of a bitcoin, if bitcoin goes up 10% you made 10%. However, the odds of alts doubling or more in the near future are probably greater than bitcoin doubling. But who knows. Like my dad says, if we knew we’d be rich! My main bags are XRP, HBAR and XLM because I think they have a better chance at doubling or more in the near future. I have some Bitcoin and SOL as well. Maybe ETH in the future. No one really knows, it’s just an educated gamble really

AutoModerator

Post is by: KazOmnipotent and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1ndmb93/last_runs_coins/ Anything to be said for some of the darling coins from the last run, ones that aren't tiny market cap but also aren't large cap? Examples: DOT, ICP, ATOM, XLM, ALGO, MATIC, etc. I'm definitely forgetting some but these are the ones that come to mind. Which ones of these would you take a gamble on and which ones wouldn't you touch with a 10ft pole? Let's leave projects like Avax, Ada, and Link out of this. They all had hype last time and look good for a big run this time too. Leaving SOL entirely out of this, it's in its own class. *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.*

BrightSelection5876

Follow Digital Asset Investor on X, YouTube, Patreon app. Look up ISO20022. Do it now November and December are going to be huge. Go for utility coins like XRP,XLM,Link,ADA - fixed supply. I do own BTC, SOL, ETH and many more.. not financial advice. Wish you the best don’t wait.

BrightSelection5876

XRP,XLM,HBAR,Chainlink,ADA

Patient-Foundation78

1. Bitcoin (BTC) - low risk 2. Ethereum (ETH) low risk 3. KAS - medium risk - high potiental 4. Chainlink (LINK) low risk 5. Cardano - (ADA) low risk 6. Solana (SOL) low risk 7. Stellar (XLM) low risk 8. Binance Coin (BNB) low risk 9. Avalanche (AVAX) low risk 10. Codatta (XNY) - high risk

AutoModerator

Post is by: Ckabal and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1ncyj47/crypto_portfolio_whats_missing/ My portfolio. What am I missing? What shouldn’t be here? (And If you’re feeling extra talkative, why): -HBAR -DOVU -XRP -XLM -ICP *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.*

Sparky14715

XRP, HBAR, IOTA, ALGO, XLM, ADA, QNT, XDC Networks, & COREUM. In that order. All are iso 20022 compliant.

Protocol_Man123

I pick these --> HBAR, LINK, SOL, XRP, BTC, ETH, Quant, XLM.

Cristian_Cerv9

Man I wish I had people like you around. That mindset is hard to find near me… sigh. I bought around 2017 and sold slowly between 2020 and 2021. I used that money purely to re evaluate my life and safely survive COVID lockdowns. Now I’m just wondering what I should do next. I hold mostly XLM now and I still see it have potential but maybe 5-10 years from now. In terms of getting back into BTC specifically, I’m waiting for the dip to 65k that will happen in 1-2 years, then I’ll throw several thousand and lock it in for 5 years minimum.

nehorn7788

I plan on holding all of these through 2030. Btc, Eth, XRP, HBAR, Link, XLM, AVAX, and QNT. 

Snowy_Whynter

I am a buy-and-hold investor holding Bitcoin (BTC), Ethereum (ETH), XRP, and Stellar (XLM). My investment strategy is based on thorough research, and I am confident in the long-term potential of these cryptocurrencies. I have been holding XRP since 2019 and remain optimistic about its future. My approach is to acquire assets and hold them long-term, focusing on the inherent value of the investments rather than frequent trading. I am not a trader. Just my 2 cents =)

Snowy_Whynter

I am personally holding BTC, ETH, XRP, and XLM. I haven't traded or rotated anything because I've done my research and have confidence in those coins. I like XRP and have a lot of faith in it since 2019; I know what it's all about, and it's becoming a reality now. So, please do your own due diligence before investing and expect extreme volatilities over the years go come. Just my 2 cents.

Grunblau

I think we got the alt season early this time… I know a few people that doubled their XRP bags when it went from 50¢ to $3 thinking it would continue running. Same with ALGO, AVAX, XLM, POL, ATOM, etc… I was finally really green on these bags. I would have been sooo far ahead if I would have sold some then instead of just thinking “finally!”

Altruistic_Swim_3852

Invest in LINK TAO XRP XLM ONDO GRT ADA AVAX bitcoin is cool and as it rises everything else will also These have real world uses! $100-$1,000 in each of these WILL!!! Change your life!! Your welcome 🫡

NovastaKai

DSR DO SOME RESEARCH. BIO AKT XRP XLM QNT SUKU ARKM RNDR BLZ*? etc etc Plenty of things actually doing things its just overshadowed. 2012player here. i've just been watching...learning.. from economy to history to plenty of politics and business while poor for the most part 😂 anyways.. I understand where its been, heard all the news, sat through it all with little faith but here we are.. memes are good short term for the goons. but the money will store in things that matter usually* like quickswap and aave back in the day*

Albort

aren’t all the crypto cards pulling back on their earnings and benefits? i miss my coinbase 4% back in XLM.

SpanishGazpacho

Damn, tough thing to chose idk mate. I’m mainly into HBAR, XLM and GALA, but do your research and see which you like best.

rabs7sbar

This sub is full of clowns that HATE XRP. Take their OPINIONS with a grain of salt. Also, ask in other subs/media outlets as well. I think your plan is great! You always want to diversify. I'd also recommend HBAR and XLM. I'd stay away from meme coins like SHIB, unless you don't mind the risk... Memes have potential for high reward, but in the end, they are useless tokens driven purely by hype.

rabs7sbar

This sub is full of clowns that HATE XRP. Take their OPINIONS with a grain of salt. Also, ask in other subs/media outlets as well. I think your plan is great! You always want to diversify. I'd also recommend HBAR and XLM. I'd stay away from meme coins like SHIB, unless you don't mind the risk... Memes have potential for high reward, but in the end, they are useless tokens driven purely by hype.

Jordan_Dom23

4chan on Eth network, XLM, HBAR

Scottyboo_133

XLM

pwnti

Even XLM would be a better choice ...

Educational_End_8358

If you want to think like a charity, buy XLM. It's similar but not in bed with the banks as much. Still 20022 compliant.

Similar-Shame3898

Dont get too cocky guys and girls. Bitcoin is not some asset that eternally goes up. Its momentum has run out for this cycle. Dominance has been consistently dropping. If you're buying now, you're going to be at a loss for the next 2-3 years. Don't stand by any particular asset like you would a sports team. What is it that you want out of this? Good returns or to join a team? Even if the teams gonna lose soon? There are going to be much more worthwhile investments in the very near future that are in crypto but not bitcoin. A new international financial system is about to be cemented in place later this year. It began rolling out march 23 or 24. Look at iso20022. All mainstream payments will be built on that. Look at the coins associated with that. Lots of 'X' projects. XRP, XLM, XDC.. what was Twitter renamed? X. By who? The same guy who owns space X. You see? I say this because I fear lots of people are looking at the wrong thing right now and you will miss the real opportunities. Bitcoin is solid in what it represents. But iso20022 coin are where smart money will be going. There is going to be a solid crash in September. Wait till after that then buy.

Appropriate-Bench996

XRP 2.50-2.75 and XLM .30-.35 is a solid investment imo

whatiscalculatedrisk

One of the bad ones Meanwhile it’s up 10X from the lows lmao Let me guess ? Ur an XRP and XLM weirdo?

dandiestweed

Chart looks just like XLM before liftoff.

OG-SimpcoPowerhaus

I'm into it for the coins with purpose or (utility?). I'm fairly new as well (just over a year now). I got into XRP first from what a friend was telling me about it last summer. I'm doing quite well as a result. I also got into SOL in June thos year and again am doing OK. I bought a few goofy coins too on the off chance something happens (ones like DOGE, SHIB, PEPE) and some other potentially useful ones like HBAR & XLM. I'm not really too sure what is going on with all these though either. I just know if I sell it all right now I would essentially double my investment. I am also curious though in like 10 - 20 years (or longer?), what coins or systems will be in place and actually useful to a "normal citizen" like myself. Like if all my Canadian Dollars will be valueless because the world has moved onto some sort of block chain/defi financial system. Maybe some of my wording is off above, but I am also here to learn. Curious what the community can offer in terms of layman's terms explanations of how or what the whole point of crypto is. Should we be buying up as much as we can of all sorts of this stuff because it will be the "money" of the future, or is it all like stocks that at any point any of the "good" or "bad" coins could crash, burn and never be heard of again? I want to be prepared either way. Have a good number of valuable coins to hopefully be future proof or if nothing else, sell all I have and make a good ROI. Hopeful this thread stays positive and informative and doesnt degrade into another social media shit hole of discussion and negativity. Peace!

BeckyMaz

The Big Two (Crypto’s Apple + Amazon)/ Bitcoin (BTC): digital gold, store of value. Ethereum (ETH): smart contracts, DeFi, NFTs. Blockchains (“Ethereum competitors”) Solana (SOL): Fast, cheap, strong ecosystem. Chainlink (LINK): Decentralised oracle network (brings real-world data on-chain). Avalanche (AVAX): Competes with ETH/SOL for DeFi + scaling. Utility / Older but still popular: Litecoin (LTC): “silver to Bitcoin’s gold.” Ripple (XRP): bank-focused payments (controversial with lawsuits). Chainlink (LINK): oracle network (gets real-world data into blockchains). Stellar (XLM): cross-border payments.

DebianDog

Sell my crypto bags! Dude they have not even hit their ATH again. F me... I have a lot of shit bags. Vchain is almost back where I bought it... Neo, XLM, ATOM, SNX too. :p IF we do have an ALT run I am selling EVERYTHING I have been sitting on for years, even if I have to take a loss. BTC, ETH, BNB, ADA carried my portfolio. Keeping it simple moving forward in 2026

Lazy_Preparation1819

If you’re putting €400 a month into crypto, XRP and XLM remain solid plays for payments and financial inclusion—XRP with its institutional cross-border focus and potential ETF-driven upside, and XLM with partnerships like PayPal/IBM plus its Soroban smart contracts—while Hedera (HBAR) offers a unique enterprise angle with its fast, eco-friendly hashgraph tech, strong governance council (Google, IBM, Boeing), and growing real-world adoption from AI governance to stablecoin pilots; however, Bitcoin is still widely seen as a “must-have” for diversification and long-term stability, so a balanced approach that mixes BTC as your foundation with selective altcoins like XRP, XLM, HBAR, and perhaps others you believe in could give you both resilience and growth potential.

Alimakakos

ADA, DOT, XLM, CRO, and...shib why not lol

PMmeuroneweirdtrick

Yes but when it reverses it's glorious. HBAR and XLM recently did 2x in a short span. If you accumulated you get a great payoff. ETH did 85% etc

JohnnyStrides

During that original run up to $20K for btc people were saying the same shit about the altcoins that they are now. It's still early, adoption is coming, this will revolutionize this or that... and here we are all this time later and real world adoption is still barely zero for all these projects. XRP was on the brink of revolutionizing cross-border currency transactions in 2018 and... now it might be in an ETF? There's clearly money to be had in alts especially after a solid, pro-longed ETH pump but the only "safe" long-term holds are BTC and ETH (mostly BTC). SOL was worth more in 2021 than it is now... can you say that about BTC or anything that wasn't a small cap coin that overcame 5000 to 1 odds? Diversifying to me is holding BTC & ETH in a broader portfolio of stocks and ETFS etc... it is not having 20% HBAR, 15% XLM, 5% SHIB etc...

HelloMotoIt

You nailed it 💯 many cryptos claim to be used as money, but in reality high fees, centralization, or lack of real adoption usually get in the way. BCH, on the other hand, still works as true peer-to-peer cash without losing its original purpose, exactly as Satoshi intended. XLM or others might have some interesting features, but very few projects have the same consistency and reliability as Bitcoin Cash🤗

Brayanscott

It is not an answer, it is more of a question, do you know more about cryptocurrencies that their purpose is to be used as better money than fiat money? I know that Bitcoincash tries to fulfill that purpose unlike the orange bitcoin that practically became a store of value (digital gold). Apart from Bitcoincash, XLM comes to mind and I wouldn't know what other projects. What do you think about this?

Trentonhawk

Like others have said, stick to the top 25, maybe 50 Cryptos by market cap. Strong ones are LINK ETH SOL XRP ADA XLM BNB and of course BTC. I know i missed a few, but diversity is important especially when investing in Crypto.

1shoutout

Yeah stay away from BTC and ETH as the percentages that you can make are nothing, look I to utility coins. Hbar, XLM, XRP, Link... Those are the coins you should be watching as they will become very big imho

1shoutout

XLM, Hbar, XRP... 

NurUrl

I'm not an expert on rates and w/e... but what I sometimes do is convert everything to XLM(Stellar) and transfer it to Kraken, where I convert it into the currency of my choice.

General-Layer-2748

If there's one thing i've learned after being in 3 crypto cycles, its that BTC always outperforms your altcoins, I think you should increase your BTC holdings. XRP & LINK will soar as will ETH. ADA is my personal altcoin pick so im biased on that lmao, but overall insane porfolio, just too little BTC XLM is a sleeper pick, could do numbers in the next decade

Rare-Victory3085

Xrp, Hbar and Algo are my main focuses right now. Would love to be able to come back in on ADA and XLM if the price drops enough. All solid projects though

43947921

XLM has great potential to breakout. Similar chart pattern the ETH before it rallied. Retested the same reistance level 3 times and could rocket once it breaks through

Ask369Questions

I was specifically advised by everyone unanimously to not invest in BTC. They have a lot of money, and all of them put millions into XRP, XLM, and Gold. When I spoke to my alphabet friend, she said she will never use BTC, but didn't necessarily explain why. I think I know why, based on unrelated research. The CEOs have never been wrong in the decade I knew them, and they claim to have friends as well. They stopped investing in BTC around 2011 or some shit.

Ask369Questions

Inside information. XRP, XLM, XDC, HBAR, ADA, Phoenic, Cashflow Enterprise, and BRICS. I have strong reasons.

CaptainRelevant

Instead of citing countless instances of commercial applications of XRP, or re-explaining that Ripple =/= XRP, let’s assume for the moment you’re correct. What, then, does ADA offer? What does XLM offer? PEPE? SHIB? VET? XDC? What do 99% of the coins offer? Speculation or meme value. That’s it. They’re all beanie babies, some more than others. This is /r/cryptomarkets and we’re gambling on market speculation for at least another 2 years (before any coins’ actual utility affects price more than speculation). Don’t let your feelings for a coin stop you from making money. I’ve gone 17x on XRP ignoring the early “Bankers coin!” bullshit, as if anyone is really here for the tech.

Emergency_Egg1281

and they are dropping !! HBAR AND XLM are way under valued and a strong buy !! To the XRP fans , its pulling back to a buy region . if it hits $2.50 im buying back in !!

Sharkorica

XRP, XLM and HBAR are all the same kind of coins and they did very well last cycle but will most likely be outperformed this one. I would recommend you diversify your types of tech. Take a look at GRT (most undervalued and highest upside in my opinion) ONDO and TAO.

DesignerRestaurant50

Hey, juggling crypto news with a busy life is rough, but your $1000 diversification plan is a great start. XRP at $3.01 has Ripple’s 300+ bank partnerships for global payments, HBAR’s $9.18B market cap and Google/IBM backing target enterprise use cases like supply chains, and XLM at $0.28 powers financial inclusion with MoneyGram’s support. LINK around $20 is a DeFi cornerstone, feeding data to smart contracts, while IOTA’s IoT focus with feeless transactions is intriguing but niche. “Texit” might be Tezos (XTZ) at $1.50, known for governance and DeFi, so check that one out. BTC at $117K and ETH at $4.4K are still solid for stability and DeFi/NFT growth, not missed opportunities. I’d put $300 in XRP for momentum, $150 each in HBAR and XLM for adoption, $200 in LINK for DeFi exposure, $100 split between BTC and ETH for a safe base, and $100 in Algorand (ALGO), a newer ISO 20022-compliant project tied to central bank digital currencies. Always dig into project whitepapers and market trends on sites like CoinCodex before investing. Good luck!

Active_Funny_3525

XLM

Any_Ad_4987

XLM is a great long-term hold. Bonk is a good meme coin as it runs on the salon network and the supply is much less than Shiba although still extremely high. There may be a really large burn in their near future possibly December. I believe they’re burning 2 trillion that should have a nice pump on the price. I would say definitely pick up some Ethereum if you can you did not miss the boat. It will be 100 K one day maybe sometime in the next 5 to 10 years. It will go beyond that eventually when bitcoin hits the millions Eth will follow but much further behind.

Brandonva804

QNT. Grab 30-50 QNT. XRP, XLM, HBAR, Grab $1M FLARE XDC

Emergency_Egg1281

XLM , XRP ,XTC ,XYZ , basically all the X crypto.

Maximum_Swing9788

The ETFs for XRP will start the end of this year and could possibly going into an alt season. Bitcoin dominance is going down with Eth rallying is a good sign. Just the ETFs alone and then make a decision if you think the banks will be going live. I know the DTCC has patented settlement system that has XLM and XRP in the system. They do trillions every year. They should tokenize and go live in 2026. I would do a little research and see what you think but I would at least wait for the ETFs. There is a 100-500 multiplier so it should hit higher numbers due to leverage.

nitelight7

On‑Chain Media’s in‑depth coverage goes further, stating that the patent explicitly names XRP and XLM as part of DTCC’s future-facing system of tokenized liquidity

OhWiseWizard

Let's be real, this is a random article clearly trying to sensationalize and pump bags over something that happened in 2023 and isn't really related to the tokens at all, claiming XRP and XLM will do something the DTCC themselves have said Chainlink is doing for them.

Brandonva804

Bet my ass the bear market will be minor especially after utility kicks in. Simply put these prices will skyrocket and never come back down to these levels. We’ll see dips but nothing similar to the past. Here are the coins that will never come back down to affordable levels. Like ETH, SOL, Bitcoin it will price out the poor and middle class. XRP HBAR XLM ONDO ADA XDC FLARE not gonna name them all but I predict QNT will suffer in this bear market. When it drops I encourage everybody to buy and hold at least 20 QNT. It is one of the easiest token’s you can study and easily see it will be worth $15K-$100K by 2030-2035. It’s proven in the past it moves up price action wise off the market cap increasing for Crypto. Bitcoin has been dangerously hyped up and will likely explode to $1M+ by 2030-3032. I predict QNT will capture the marker cap increase plus it’s utility and head between $15K-$100K a token by that time. It’a a guaranteed outcome only 20 QNT will be cheap in the bear market please do not miss out. Buy set on a wallet and forget.

Aromatic-Ad7987

You can learn a bit about a crypto that catches your eye by the feel of the subreddit. If its all about when moon when lambo crap be careful. I prefer crypto with good tech. Theres a few with subreddits i would check out. Hedera - Hbar ... Jack of all trades in the space, smart group Chainlink ... Links different block chains and more XLM - Stellar ... Financial Space XRP - This one is polarizing but the parent company Ripple should be big and XRP will be a part of it. Theres a saying in Crypto to do your own research and its good advice Good luck

blockhead92

XLM Stellar has been delivering on all front, with scale accelerating in the very short term. Look for a lot of hype to start building as their annual conference is in one month If you are interested, I suggest to watch the “SDF Q2 Quarterly update” published this week on YouTube/socials! Happy to discuss further about other on chain opportunities if you are looking to earn yield besides just buying a layer 1 token

SicklyPotatoes

UPDATE ((XRP, LINK, HBAR, XLM, ETH, QNT, BTC,ADA, JASMY, ICP)) If anyone cares these are what I went with. Went over my budget a little bit but got healthy amounts of each and was also already holding some things suggested. Not expecting to become a millionaire but decent returns would be nice. Followed advice kinda and waited around and caught most of these during today’s dip which was nice. Interestingly enough, everything on this list followed the exact same dip and recovery pattern today besides ADA, which also has the strongest recovery up 4% from before yesterday’s dip.

Ask369Questions

As you can see, I am conspiratorial, and have very strong reasons to believe that XRP is the future, based on the activity and information of world banks and a targeted powerful lady named Cynthia Petion regarding the future of cryptocurrency. I have my hands in very many cookie jars, and am just getting my feet wet. XRP, XLM, XDC, HBAR, Cashflow Enterprise, and Phoenic coin are the future. XRP is being kept under the radar and has the attention of all of the banks. I don't think this, I know this. They tried to go after this woman. She owns Nova Tech FX.

Ask369Questions

XRP, XLM, XDC, HBAR, Cashflow Enterprise, and Phoenic. I have a very detailed and articulate plan, and for now just getting the feet wet.

Some_Local_2433

I get that you’re thinking long-term and preparing for a lot of potential scenarios. A few things to consider: XRP, XLM, XDC—they all have different use cases, but projecting their exact value in 2030 or 2040 is highly speculative. Crypto markets are extremely volatile, and regulatory, technological, and adoption factors can change everything. Treat any projections as very rough guesses, not guaranteed outcomes. If your goal is to hedge against systemic risk or “economic collapse,” it’s worth thinking broader than a few tokens. Some people diversify with precious metals, cash reserves, real assets, or alternative investments—things that historically retain value during crises. If you’re serious about minimizing surveillance, look into digital privacy, secure communications, and personal data hygiene. Running your own devices with end-to-end encryption, using decentralized tools, and keeping personal info minimal online are all practical steps. Social credit systems and digital IDs are mostly experimental right now, and implementation varies widely by country. Staying informed about local laws and having legal safeguards, like trusts or alternative residency options, can help protect your freedom and assets. Instead of speculative forums, consider studying decentralized finance (DeFi) protocols, digital privacy guides (EFF, privacytools.io), and macroeconomics or currency history. Understanding these areas will help you make informed decisions rather than relying solely on predictions. Finally, preparing is smart, but obsessing over dystopian scenarios can create stress. Diversify, stay informed, protect your privacy, and treat all crypto predictions as highly speculative. Building skills and knowledge is always valuable, no matter how the future unfolds.

Fit-Poet6736

HBAR and XLM are good. for XLM there is a promo on Nexo rn - 3% cashback if you buy $1k

rm_reddit

$Lido, $XRP, $XLM, and similar coins that comply with the ISO 20022 standard It is unlikely that we will find ourselves without a banking system tomorrow, but the fact that it is changing and increasingly accepting blockchain and cryptocurrencies for transactions is a fact.

Hurricane_Ivan

LINK or an ISO 20022 coin (HBAR, QNT, XLM, etc.)

Due-Candy-8929

Tbh I think this is a good and balanced take : the potential for crazy %’s is not there with bitcoin but also less of a risk factor as well - especially if you’re happy to weather out the storms… personally I don’t plan to round trip any of my crypto though! When BTC fell from $69k to $20k it took around 850 days to get back there - from $69k to here isn’t a 2x, but reinvesting after heavy corrections is closer to a 6x! My alts have done well so far % wise : especially XRP SUI XLM HBAR. Still expecting more if we get a proper alt season :

NextLevelDetailing

Banks are already using it around the world. In the US its supposed to replace SWIFT system (old,slow and costly tech) I hold XRP, and XLM because I got it 5 years ago. XRP @ .32 cents and XLM @ .09 cents

Andy_Randhawa

It’s never too late to invest and then DCA … check XLM, XRP, ADA & HBAR

northcasewhite

My memory tell me that in early 2017 BTC was first to pump followed by Dash which lead the way, ETH actually lagged behind and was slow. Other alts followed Dash. XRP pumped later along with XLM. ETH finished last but had a great pump because of this: [https://entethalliance.org/enterprise-ethereum-alliance-launches/](https://entethalliance.org/enterprise-ethereum-alliance-launches/) Don't give me a trash answer please. I have a lot in my memory compared to you. I don't know why I am trying to convince someone who doesn't even know much.

jamuloww

Bro genuine advice with amount of money you should just sell everything and put it on one coin. Or risk it in a small cap altcoin. My opinion is that Algorand and XLM will perform the best upcoming altseason

Emergency_Egg1281

Don't understand any of this First you turn 200 into 2k then next paragraph you lost 2k ?? No job , doing this all day losing thousands up to yesterday's 1,000 loss ?? Not buying what you are selling bro ! BUY XLM !!!!!

Cryptomuscom

ETH is solid for staking long-term, XLM for fast transfers. If timing worries you, DCA could help. DYOR and ignore the hype.

Suspicious_Cow9931

Holding XRP, ADA, HBAR, XLM and KAS (tek meh tu da moon)

Quinthyll

Trust me bro, my balls tingle hard. Or if you prefer actual reasons, HBAR is building up to be the tech that runs financial systems. XLM is lightning fast cheap peer to peer payment. QNT is an overledger, not a blockchain, that connects institutions to blockchains and oracles. And it has been consolidating for 3 years. Double and, major scarcity. Only 18M coins ever, with over 17.5 million already in circulation. Supply shock incoming hard.

Quinthyll

HBAR, XLM, and QNT are set for face-melting.

jopel007

Hemule. XLM. Fart Coin.

blockhead92

You can access Blend, a defi protocol similar to AAVE but with its own nuances and low fees, at blend.capital. You’ll need a stellar wallet to use it. Main highlights: •Interest rates are very competitive, averaging around 15-20% APY for lent USDC, paid in USDC. You can deposit/withdraw freely. •In addition to the direct interest, users earn BLND tokens which are still a low market cap but growing token. They serve as part of the insurance mechanism in the protocol. •Multiple security audits and security hackathons completed before mainnet.  •Access to additional yield on Etherfuse stable bonds. If you want to get creative: •You can also borrow XLM cheaply vs USDC lent and use it to generate synthetic stablecoins and further extend your invested capital to maximize yield. You can also be a degen and leverage trade if that’s your style. •There is a high quality liquidity protocol called Aquarius you can use to deposit borrowed XLM and earn additional yield. Here’s an easy to follow video to illustrate how easy it is to use: https://youtu.be/NmXoo6UgR6k?si=Bh3UPsSOpSjwNkBZ Let me know if this is what you’re interested in, or if you would like to hear about something else. There are active discord communities in case you want to dive in!

tradingrace

Atm a small amount on viral BOSS could be a play, small amount . then the safest imo is XLM for its use case and institutional adoption. If you say 5 years it has to be kind of safe lol crypto, then ADA. Electroneum could be worth it too. That being said its because you said 5 years, majority of coins we dont know

Important_Dentist430

I would go for SUI, HBAR & XLM.

cryptoquant112

Eth, Keeta, Link, and a fast payment coin (XLM, Nano, or similar)

pink_tshirt

Nice I started buying XLM 5 years ago and now I am down 2600%

Rory_Russell

Centralised and cheap. I use XLM to transfer money all the time. Never failed me yet.

Rory_Russell

XLM any day.

Brandonva804

How are you all feeling? 🤭If you hold XRP, HBAR, XLM, XDC, FLARE, QNT, SOL, Dogecoin, back from early last year I know you’re all smiling like me right now! They’ll tell you buy Bitcoin, Buy ETH, BUY SOL, when you could have put $50K-$100K into these tokens last year and today in 2025 your portfolio would be up at insane numbers.🤭I did the math if I had dropped the same amount into Bitcoin last year I would be down wayyy more on Bitcoin. Hold on for dear life and don’t forget to cut a little off the top at the end of this bullrun. XRP and XLM are about to smash faces and HBAR will follow after with Avengers endgame satisfaction later on. God bless Altcoins my house is paid off twice!

Flix1

That's some serious copium there. XLM hasn't hit an ATH is 7 years or so. Much easier and smarter to just hold BTC from a risk reward perspective.

Renowned_Molecule

XRP and XLM charts alone are enough for me to hold both. Then if you dive into ripple and Stellar.. Seems that both are poised for significant adoption.