XLM

TumbleweedWorldly325

I think USDT is a way to get access to the de facto global currency the dollar. If your local currency is inflating you can lock your wealth into USDT and protect it. But the Dollar is also inflating and losing value but at a lower rate. USDT is very liquid. On the other hand BTC has a fixed supply and can only go up. Same with XRP, XLM etc. The crypto that wins will be the one that has great price feeds that are secure, a full smart contract suit and interoperability with other block chains and trad finance. We don't know which of the contenders is best in my opinion. But I do think secure accurate price feeds and data are critical. I like FLR.

MakCapital

Long response: Myself, and only me. I can tell you the popular opinions are almost always wrong about everything. Especially on Reddit. Double so this sub. People here have no idea how to invest and know even less about the tech. Most everyone is the blind following the blind because they think if enough other people are following someone they must know what they are talking about. 🤣. Nah, the KOL's are mostly just dumb tribal personalities with charisma at best or smart traders leveraging their platforms to trade against you, at worst. If you would have followed crypto Reddit from the start you would have been convinced in semi order for over the past decade (The majority only shifted opinions after they could no longer argue the price.): - Bitcoin is a scam. - Ok maybe Bitcoin isn't a scam but it's worthless. - Ethereum is a scam. - Ok Ethereum isn't a scam but smart contracts are worthless. - Alts that challenge Bitcoin like BCH, LTC, XRP, Nano, aren't worthless and better than Bitcoin. - All crypto is worthless again. - Ok, Bitcoin isn't worthless but all alts are definitely worthless except maybe LTC, XLM, XRP. - Wow, some of these other alts made people rich for some reason. Why not mine? At least I know those new NFT things are a scam. - Bored apes and all NFTs will never have value. No one would ever pay for digital ownership over a collectible. - Ok some NFTs have value to people but memes will never have any value. Doge is only a joke (To their credit, they just underestimated the left curve, and trading attention can be fun.) - Solana is a scam. Completely worthless. It's just an FTX scam coin. Ignore it. - If Bitcoin can be worth trillions with no revenue so can alts like Cardano. Luckily Solana died because FTX died. - All crypto only goes up if Bitcoin goes up. Crypto is just tokens that try to beat USD and BTC. Buy the tokens this sub repeats are good! Ignore the years of losses. - I don't care everyone now uses Solana. It's definitely a scam. Buy hbar, ada, XRP. Trust me! There are dozens of us using them! Crypto social media is still so broken that most don't understand a token is just ownership of some other asset that can literally be anything from a security to a commodity or ownership over publicly managed equity exposed to revenue from numerous protocols to L1s like Solana/Hyperliquid. We're currently sitting around last couple bullet points of retarded. Over the next few years the majority will start to learn everything is crypto. Everything gets tokenized. You need to determine the value of each token based on what you own, and a rSpacex private security token could care less how BTC performs. L1s that capture web 3 rev go up with rev. Tokens without ownership over rev or something with fundamental value trend to 0 long term. No one wants to buy your meme or vaporware L1 coin that produces no value for more than you paid over longer time frames. Know what ownership your token provides before you buy. BTC moving up forever without rev is the exception. Not the rule. Nothing else is Bitcoin. Rev or bust. The world will trade and own all assets on chain. Even if they don't realize it. Have fun owning and trading all different types of assets on a single global network. Whichever network takes the majority of transactional web 3 revenue is worth trillions. Bitcoin is a better ledger for the world's wealth than a shiny piece of metal. It'll continue moving up at an accelerated pace until it becomes the dominant ledger. Learn these concepts. Learn the fundamentals. Learn the tech. Learn economics. Learn investing. The fastest road to accomplishing all of this is just start using the popular networks, and protocols. As a bonus, active users are constantly showered with free airdrops. You'll get paid for learning. Do it. I've personally made hundreds of thousands in USD from just using everything over the years. So much stupid opportunity out there. You'll find it when you break from crypto tribes, and start getting curious over what all is being built and why. GL and remember you have no idea if I know what I'm saying. Don't trust. Ignore the comments. Verify by using, examining the free data with sites like defilama/Coingecko and leverage AI. You guys have it much easier these days. Everything you need is right in front of you.

sinan-aydin

Coins like ADA HBAR and XLM have large circulating supplies and established valuations so their prices move more slowly despite high market caps and volume. In contrast meme coins or new tokens often have low supply high speculation, and hypedriven demand allowing rapid price increases. This isnt always manipulation its often market psychology and low liquidity that cause extreme volatility in newer coins.

Blooberino

XNO, XLM, ALGO, etc. have entered the chat.

DeaderthanZed

So first of all market cap represents the actual valuation of the cryptocurrency. The price is irrelevant without context. $10 for 1 token is the same value as $.001 for 10,000 tokens. You need to know the supply. And then price times supply equals market cap. If you sort by marketcap on coingecko you will see ADA at #11 and XLM at #19 with $19billion and $7billion marketcap respectively. I would actually argue the opposite- price discovery for Ada and xlm happened years and years and years ago now they just kinda hang around and slowly slide in value as compared to btc because they are well known quantities without much surprise upside potential. (Especially since neither has gained any real adoption within crypto space after many years.) Whereas new launches represent possibility and the opportunity for speculation. Which in turn brings traders, volume, and big spikes up and down. Most new memecoins or other launches go to zero within days or weeks but a select few manage to escape the trenches and achieve staying power usually in the $50m-$1b marketcap range.

biba8163

Are ISO-20022 Bagholders going to create a support group for gullible who fell for the ISO-20022 Meme? Every one of these shitcoins is down -40% to -60% from pumping off the ISO meme narrative in November to December. > "Those compliant with some sort of ISO are going to be the first ones adopted by institutions" > "Chainlink CRE being built using XRP, HBAR etc. That's the secret ingredient in this insane price action." (LINK -55%) > "Could this be some of the “tech” aspects of these crypto gaining value" > "It's about a new payment standard being built. Basically the new SWIFT" > "ISO 20022 is important for large scale adoption of digital currencies for large financial institutions" > "ISO20022 will make it easier and more efficient for large financial institutions and big companies to settle large remittances faster and more cost effectively" - XRP -40% - ADA -50% - XLM -50% - HBAR -60% - ALGO -66% https://np.reddit.com/r/CryptoCurrency/comments/1gu4pwb/are_the_iso_20022_coins_pumping/

Onauto

What can your coin do? If you create utility like XRP, HBAR, XLM to name a few, you can create lasting value. If that’s your goal, it’s a noble cause. Find a need and create a solution. Then, when your coin moons, no one will key your Lamborghini.

Prestigious-Slide-73

ChatGPT but I think it’s fairly accurate. XRP (Ripple): The crypto equivalent of a messy court case. It’s like the divorced dad of your portfolio — promises it’s turning things around, but it’s been in litigation longer than “The Winds of Winter” has been in draft. Every time XRP pumps, someone shouts “ISO 20022!” like it’s a magic spell. It’s not. ZEBEC: Streaming payments on Solana? Great in theory — if Solana could stay online long enough. Zebec sounds like the name of a budget sci-fi villain, and right now its token price is about as scary as a balloon animal. ONDO: Tokenized real-world assets sound sexy until you realise you’re basically trying to make TradFi cool. It’s like slapping NFTs on a filing cabinet and calling it DeFi. You’re betting on regulators to be innovative. Bold. Hedera (HBAR): Enterprise-friendly DLT that’s “governed by giants” like Google and IBM… who all forgot they were on the council. Feels like the guy in your friend group who keeps name-dropping, but no one can remember what he actually does. Stellar (XLM): Built for cross-border payments — just like XRP. Because who doesn’t love a redundant token in the same portfolio? If XRP is the divorced dad, XLM is the quiet sibling who works at a nonprofit and always gets overlooked. Has been “about to moon” since 2017. Algorand (ALGO): Developed by an MIT professor, and it still can’t get invited to the cool kids’ table. It’s efficient, green, and utterly ignored. If crypto had a high school yearbook, ALGO would be voted “Most likely to have great tech that no one uses.” Cardano (ADA): Slow, academic, and constantly “about to launch smart contracts.” ADA is the PhD student who’s been ABD (“all but done”) for five years. Fans treat Charles Hoskinson like a tech messiah, but he’s really just crypto’s Tolkien — detailed worldbuilding, zero delivery. XCN (Chain): Wait, this one got rebranded like three times, right? Chain is trying so hard to be taken seriously it forgot to bring actual utility. You know it’s bad when your coin chart looks like a ski slope. JASMY: The meme token pretending it’s not a meme. Japanese IoT data rights token? Cool story. Except it trades like someone spilled Pepsi on a Dogecoin fork. Your investment thesis here is pure hopium and vibes. ⸻ Final verdict: This portfolio is like a crypto museum — filled with relics from the “next big thing” era. It screams, “I bought the narrative, not the chart.” You’ve got enterprise tokens no one uses, ISO-compliant has-beens, and enough dead weight to sink a floaty in a kiddie pool. Roast rating: 8.7/10 Hold tight - At least you’re diversified across underperformers — that’s… something.

Euphoric_Support_242

Not for your grandma, but for you : Get some money and put it into SUI ( it's as advanced as solana but even a more capable chain, supporting more transactions and faster speeds) RWA like ONDO, Centrifuge and WHITE. ( As tokenized rwa is the next financial revolution. It's bound to happen.) BNB, XLM (these are focused on cross border payment systems. Very low cost and fast. These would be the chains in future you transact with)

Launchpad_McQuack20

Sounds like someone gave their granny 💩 memecoin advice lol Had she invested into $CRO, $XLM, or $ALGO she’d be sittin’ quite alright

phallicpunch

Even the zombie XLM is still up over +100% on the 1 year chart. Shit Stellar might even be dead enough to do cross boarder payments & bank the unbanked in the depths of Iran’s cratered out former nuke sites.

Onauto

Volatility is part of crypto. Given current events, it’s expected the market is down. I suggest you DCA your own money adding to grandma’s as the next 3 to 6 months will likely bring heavy returns for specific cryptos. You’ll be fine with link and dot. I’m sorry you got suckered into trump coin. NO MEMES! I’d make this right by stacking g-mas account with ISO20022 compliant coins. That means XRP, XLM, XDC, HBAR, ALGO, QNT, IOTA. Banking compliance deadlines are July 14 US and November 22 globally. Get to work and make her proud. JMO, not financial advice.

Euphoric_Support_242

irrespective of the price, i suggest you AAVE, SUI, HBAR, WHITE, XLM, HYPE, ADA

Grunblau

Bought AVAX at $16.80 and XLM at $0.2375. Considering the RH spread, this is basically exactly at the dip. Will buy more if it goes lower. Wish Algorand Foundation was not actively trying to self destruct, I would have bought some too…

Onauto

Just get your own. ISO20022 deadlines are July 14 US and November 22 globally. All the regulations should be passed by then. ISO compliant cryptos are XRP, XLM, XDC, HBAR, ALGO, ADA, IOTA, & QNT. It’s that easy for the next 20 years. JMO

brianmonarch

You are sooooo brainwashed. Ripple got rid of Jed. So all those facts don't matter. He's with XLM now. Which is also being used right now for it's utility without BTC's help. I'm honestly starting to assume you might be a bot. Haha... Bottom line is this. Your initial statement of alt coins wouldn't survive without BTC and alt coins aren't being used is false. Here... Here's a link from Nasdaq dot com (maybe not reliable enough for you?) from this year! If you think they're putting out "fake articles" that Ripple paid them to put out, only to execute the biggest rug pull in human history, I'm not sure what else to tell you... And yes, there are overzealous articles from the PAST that were wrong about the timing with this. Who cares? Here's the link... [https://www.nasdaq.com/articles/80-japanese-banks-set-embrace-xrp-global-payments-2025](https://www.nasdaq.com/articles/80-japanese-banks-set-embrace-xrp-global-payments-2025) Can't wait to hear your next story about why this isn't true. Maybe something like "Everyone knows Brad Garlinghouse is tight with the company Nasdaq. If he gives them 100 million dollars to put out a fake article that could be easily disproven within 12 months, they will do it!!! It's worth it for Brad and Nasdaq to lose their reputation over an article! Hahaha... Uh boy....

biba8163

XRP and XLM were both created by the Mt.Gox Founder Scammer Jed Mccaleb for self enrichment. Their utility and usage by banks is purely fictional hype narrative. If you believe this scammer created some revoluationary bank remittance and settlement crypto, good luck! Jed is the GOAT Scammer of Crypto: - Scammer who sold Mt. Gox to Karpeles after being "hacked" and short tens of thousands of Bitcoin - Scammer who then founded Ripple and kept 9 Billion XRP to himself - Scammer then founded Stellar and kept an unknown supply of XLM himself - Scammer who after dumping BILLIONS, is launching his own space station: https://www.cnbc.com/2023/02/21/jed-mccalebs-vast-acquires-launcher.html When McCaleb sold the site to Karpeles, Mt.Gox had been hacked multiple times already and there were 80,000 BTC missing from the exchange. McCaleb told Karpeles not to worry too much about it and slowly manipulate with bots to buy more BTC, mine it, etc to make up the difference. All this is documented in Mt. Gox court papers where the emails were submitted as evidence. > From: Jed McCaleb > Date: 2011/04/28 22:33 > To: Mark Karpeles > I can’t tell how big an issue it will be to be short 80k BTC if the price goes to $100 or something. That is quite a bit to owe at that point but mtgox should have made a ton of BTC getting to there. There is also still the fact that the BTC balance will probably never fall below 80k. So maybe you don’t really need to worry about it > There are 3 solutions I have thought of: > - Slowly buy more BTC with the USD that Gox Bot has. Hopefully you would fill up the loss before the price got out of hand. > - Buy a big chunk of BTC (really just moving the BTC debt to the USD side)[.] If BTC goes up this is a huge win. Problem is there isn’t enough BTC for sale on mtgox. Maybe you could find someone on the forum to do it? > - Get those crystal island people to invest. They have 200+ BTC so they could fill in the gap. > Maybe you could just mine it? https://www.thedailybeast.com/who-pulled-off-the-biggest-bitcoin-heist-in-history/

brianmonarch

Bottom line is this. It's being used by some banks. That's a fact that you can't dispute. It's happening. 100%. Right? So, that wouldn't have happened without BTC? It's funny how you don't respond to all my points, just the ones you think you can find a tiny loophole in to push your ridiculous argument further. You've said many untrue things already. Regarding the moneygram thing... AGAIN.... After they were attacked by the SEC, XLM took that spot. Everyone knows that. Ripple didn't pay anyone to hype up untrue facts. You're in a vacuum chamber, man.

Brandonva804

Do not buy Bitcoin if you’re planning to DCA. I’m warning you. Any Bitcoin Maxi telling you a huge profit is possible now is lying. The time to get into Bitcoin hinders on if you can buy a full coin or at least $0.01% of Bitcoin. If you can’t I wouldn’t buy. I would focus on DCA Solana, XRP, HBAR, XLM,

biba8163

This is the problems with shitcoins: - They randomly pump for no damn reason - They generally give yo a small window to dump - Cult communities are so invested in the project and narrative that they make you believe this is just the start, the coin is undervalued and the market is just realizing it and how much progress has been made, etc. ADA went from $0.30 in November to $1.20 in December for no damn reason and instead of selling, you are cheerleading it. Same with almost every coin like XLM, ALGO, HBAR, etc. > **Just remember to take profits and reinvest in a bear market.** (Nov. 2024) > Everyone who said the ADA was dead was wrong. > Cardano is a top project, but you need patience https://np.reddit.com/r/CryptoCurrency/comments/1gnnn7i/daily_crypto_discussion_november_10_2024_gmt0/lwe3vwv/ > ADA is pumping right now and we are already at $1.20. (Dec. 2024) > Go Cardano! https://np.reddit.com/r/CryptoCurrency/comments/1h4hidw/daily_crypto_discussion_december_2_2024_gmt0/m01tnml/

Big_Listen3985

XRP, XLM, Spx6900, and PEPE

Due-Candy-8929

It’s really a case by case scenario- some memes have more stickibility - doge shib Pepe and other well known ones, but I think a lot of the new memes that are dropped these days are pretty much a one and done pump… depending on where you are in the world there are tax benefits for holding over a year, and selling and buying will cost fees as well so personally I don’t sell and buy much, just buy and hold til it’s worth selling… but I don’t do meme crypto either - lots of utility alts though! XRP SUI XLM HBAR LINK ETH DOT ALGO ADA FLR

Distinct-Increase548

Invest 150k for now 25% - XRP 25% - XLM 25% - VELO 25% - SHX

jawni

>Because the platform is not US only. You will have Argentinians tipping Brazilians while buying soccer shit from Vietnam. XLM and XRP was built for this. Every smart contract chain can very easily facilitate this. >XDC was built for tokenization. DOGE will be integrated unless Musk is over it because of the government entity he founded. Which chain *isn't* built for tokenization? And DOGE, one of the few without tokenization, can't really be implemented in many ways as it is lacking in that functionality as well as others and as an asset it isn't close to as interoperable as it would need to be. >ETH is apparently cheap to move now. I wouldn’t know because of my PTSD from using it before. AVAX because that has been a move a few projects I have been watching did. Like FIFA, for example. This would be a closed option, but it would benefit validators. AVAX because a single ALGO project, which is an NFT game and not really the same type of thing as this, migrated to AVAX? >Solana seems too obvious as a no-substance-tech-bro play No substance? Kraken just chose Solana to for their tokenized stock trading. Robinhood also considering both Arbitrum and Solana for their tokenized stock trading. Bybit going to launch their DEX on Solana. So there is a lot of momentum for choosing Solana for this type of thing. There is also Solana's strengths as a payment processor that are obvious from it's partnerships with Shopify, Paypal, Visa, Stripe, etc. >and I think it is tarnished a bit by TRUMP. It is anyone’s guess. If I knew, I’d be accumulating, but I don’t. The people that make the decisions on what platforms to use generally understand that blockchains can't dictate what people use them for. So TRUMP launching on Solana is not viewed negatively by the most respected people, even if those same people view TRUMP the asset as generally negative. It's typically viewed as an endorsement of Solana's tech. >Not even sure BTC would be accepted because this would counter his anti POW stance. His anti-POW stance was tied to renewable energy usage milestones which I believe have been met a while ago.

Grunblau

Because the platform is not US only. You will have Argentinians tipping Brazilians while buying soccer shit from Vietnam. XLM and XRP was built for this. XDC was built for tokenization. DOGE will be integrated unless Musk is over it because of the government entity he founded. ETH is apparently cheap to move now. I wouldn’t know because of my PTSD from using it before. AVAX because that has been a move a few projects I have been watching did. Like FIFA, for example. This would be a closed option, but it would benefit validators. Solana seems too obvious as a no-substance-tech-bro play and I think it is tarnished a bit by TRUMP. It is anyone’s guess. If I knew, I’d be accumulating, but I don’t. Not even sure BTC would be accepted because this would counter his anti POW stance.

jawni

>I suspect there might be an XLM, DOGE, XRP, XDC, FLR angle. Or their own sub chain on AVAX. why those coins? The way things are trending I'd heavily expect it to be ETH or SOL based, or a proprietary/new platform. None of those really make any sense to me. Even DOGE is a long shot, I could see it being integrated as a payment but that's about it.

Grunblau

I suspect there might be an XLM, DOGE, XRP, XDC, FLR angle. Or their own sub chain on AVAX. But Stellar has been awful quiet and Ripple’s loose ends are being tied up without much fanfare. A couple years ago, Coinbase removed wallet custody for XLM and XRP for “reasons” While Japanese banks are embracing XRP. I really dislike XRP’s influencers and prefer that something benevolent like Algorand would rule the space, but with the Foundation unable to get out of their own way and push their network, the best option will be over looked for the most meme and spite. Having a hard time trading in my Betamax/Laserdisk player for low resolution VHS with the stretched tape and scan lines.

lindrin25

BTC is over 100k and crypto has been getting quite a lot of attention lately, so tons of new projects are cropping up. Imo if you want some quick profits u just gotta follow the dudes on X since they usually manage to pump some tokens. Personally I've been keeping up with the older projects like XRP, XLM, they're still interesting to me, even voted for them on the r/Changelly giveaway

Brandonva804

XRP, XLM, HBAR, Solana, Bitcoin, Dogecoin. All will skyrocket by 2035 thanks to adoption and the market cap increasing overall for Crypto. Utility will drive these increases and be careful of Bitcoin Maxi’s they will truly try to make you believe only Bitcoin will rise. Bitcoin has no utility and it’s working on PS2 tech. While all the others are modern and ready to mingle. Still hold some Bitcoin though. It’s truly becoming scarce.

npxG

So invest in QNT XRP XLM XDC SHX now when you have the chance then.

Thin-Entrepreneur596

Bitcoin has been good but the entire financial sector is about to change… The rails and operating systems of the financial sector will not be bitcoin. XRP, Hbar, XLM, Axelar, chainlink, Avalanche, quant Ondo finance… etc are some main stays. it will not be a bear market for these projects for many years and will do much better than a .5x to 1.5x each year over the next 5 to 10 years. Industry will be buying them up and their utility is about to go insane! Listen to investors not traders. they can’t see the forest through the trees. Do your own research but do it quick. You won’t see these current prices ever again after this year.

Milan_dr

They are probably just as easy to implement if you're just integrating only XLM or only XRP, but frankly it's often not worth it to build an integration and especially maintain an integration for just 1 crypto. That's why we like solutions like BTCPayServer - allows us to run many crypto at once, fully self custodial, but far easier to upkeep. Alternatively, just getting integrated in actually good payment providers (we quite like Daimo) really helps. Websites like BitPay, NowPayments and such frankly don't usually offer the best payment experience, for example NowPayments the payments go just as quick and with the same fees as if you would use a swap, so then we might as well just stick with the swap rather than build it in separately.

andreas_europe

Thank you for your highly appreciated answer! I didnt know that XLM, XRP, DGB are not as easy to implement as the other ones.

Milan_dr

We'd love to offer those as well, but they're a bit harder to integrate. For context: we use a lot of different payment processors and self-hosted solutions. We use BTCPayServer, Daimo Pay, Helio, Prompt.cash, and a custom integration for Nano. Most of the places that offer XLM and XRP have a very bad integration with those coins which means you'd still be waiting 10 minutes, and we try to integrate every coin in a way that enthusiasts of the coin are also proud of the integration. We can't really do that well with XLM/XRP (and DGB). You can still deposit them via the inbuilt swap that we have of course. That said - if people have good/easy ways to integrate these coins we'd love to. We're not maximalists, though we like Nano most ourselves, so we'd like to just integrate whatever works.

andreas_europe

Serious question: why no XLM, XRP , DGB accepted or are these also offered but not used?

Due-Candy-8929

Ripple / XRPs longevity is a big advantage over newer companies… consistently being in the top 10 and being one of the first cryptos gives a heavy advantage… (Bitcoin has the BIGGEST first mover advantage, but ETH / XRP / SOL benefit as well) when a transfer takes 1-3 seconds it’s other areas of infrastructure slowing it down… when a fee is less than $0.001 It doesn’t matter if it’s cheaper… look at all the collaborations / acquisitions / adoption… companies not just buying reserve but putting utility into action… Tbh most people who believe in XRP also believe in the potential of a lot of cryptos as well and tend to be diversified - XRP is my biggest bag (partly as it has outperformed the market over the last year so has naturally become worth more than other tokens with the same amount invested) but I also hold SUI LINK DOT FLR ALGO ADA XLM … I feel like most of the hate is just residue from Bitcoin Maxis saying whatever brain dead takes they can think up … Besides - I much prefer a Ripple Brad vs a MicroStrategy Michael

AnoAnoSaPwet

So basically XRP/XLM. I used to be a big fan of Stellar, but you know, nowadays that's sub-standard for mainnet cryptocurrencies. 1-3 second finality is fast enough.  It is good enough. Better than COBOL ffs. Fucking mind-boggling they still use that shit? 

NovastaKai

After accidentally holding XLM (my "stable" coin) and watching it 5x while I'm trying to make money in alts was hilarious, but I realized the same thing.. money moves illogical too often.. but the only logical choice is btc.. if I just had some faith early on.. would have a life to look forward to lmao. (haven't lost much nor gained much.. most was made during luna(lunc) crash/bounce tbh.. £4 to £400.. if only had more at that time right 😂 ) but getting lucky..and having faith are two very different outcomes imo.. choose wisely.. 2035.. W.E.F has spoken 🤭

Particular-Map7692

Yes. XMR, Veri, XRP, XLM, XCN, Kaspa and TFuel

Blooberino

I miss the 4% XLM.

RedneckHippy76

I have those too. Maybe FET and HBAR. SOL probably won't Moon again but it should still be considered. I have a position in XLM too. The thing is time and patience In my Old Man mind, if I were starting today I would focus on BTC. You gotta do what you feel fits your wants and needs. Good Luck 🇺🇸🦅

HSuke

In design, Stellar is more or less the same as XRP Ledger, except less centralized. And more importantly, unlike with XRP, a single corporation doesn't own over 50% of XLM entire token supply. XRP should not be anywhere near as popular as it is now.

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HSuke

https://indexes.nasdaqomx.com/Index/Weighting/NCIUS There are only 6 on the list, and not necessarily by largest marketcap. Like why is XLM on the list when there are plenty larger? List seems arbitrary.

HSuke

https://indexes.nasdaqomx.com/Index/Weighting/NCIUS There are only 6 on the list, and not necessarily by largest marketcap. Like why is XLM on the list when there are plenty larger? List seems arbitrary.

CryptoCryptonaire

The actual list includes XLM, XRP, SOL, ETH, BTC, LINK, UNI, LTC and ADA. Why are you posting this as though its "only" ADA?

CleverClover222

Sounds like a really solid plan. If I can get myself to the point where I'm super comfortable transferring in and out of my hw wallet (still haven't even opened the package though, so we'll see......🙄). You still think we'll see a bump (alt season) soon-ish? I see lots of debate about that and as usual, plenty of opposing opinions. I really do hope so because (like you) I plan to scale out of most & buy back the ones I have most faith in. My fomo has died down a LOT and I no longer have any anxiety thinking I'll miss something. A part of me even says "so what" lol I think my psychology is a better fit for this all now. I'd like to try exactly what you mentioned---sit out until a good re-entry arrives. The old me always doubted it would come--the new me KNOWS it will, lol. Darn you though....XLM is actually one of my first buy ins after ETH. I haven't checked back into that one yet (or HBAR really) so I guess it was premature to pick 5 of them yet. I'm still kind of trying to catch up. It has been said by the CEO of QNT that they may end up using another network in the future , alternative to ETH. And HBAR was mentioned.... so I guess I'll view those 2 as 'tandems'? I'll figure it out......but some of what I hold are fo sho "sh\*tcoins" ...and I'm trying to remember : As Buffet says: *“Selling your winners and holding your losers is like cutting the flowers and watering the weeds.”*

Due-Candy-8929

Planning to scale out of most of my crypto holdings through this market cycle, and buy back in the future - once we have found the bottom of the bear markets I would probably buy back into XRP SUI LINK HBAR and either XLM or save the 5th spot for something new (would have to do research) I like ETH… its been my most recent buy (was buying it while sentiment was in the gutter… was fun seeing it take off a little again recently! overall I probably lean more towards SUI more though? 🤷🏻‍♀️(which seemed to run at the same time) All the tribal maxis put me off BTC a lot… there is no conviction or forward thinking just hate on everything else - if there was more than 5 might hold but don't think it would make my list - each cycle sees lower percentage gains - especially if you are round tripping - BTC isn't 2X from the 2021 cycle high of 69k currently, however from the bottom its over 5x up! (it took around 850 days to get back to 69k after dropping as well - its a long time to wait to get back DCA-ing, while buying power also increased as well if someone tok profits even close to the top and waited until after the base was found to start buying back in - not talking about jumping in and out, and still largely just buying and holding and sitting out until a good re-entry point once profits are taken and a lot of the risk is off the table I think SOL will do really well but said why I don't trade it anymore earlier in the thread Have heard good things about QNT but its not on the exchange I mostly use I'm curious to see if LINK will heavily outperform BTC ETH this cycle- lower market caps can see huge % gains with far less money going in!

coinfeeds-bot

tldr; Nasdaq has proposed a rule change to the SEC to expand its crypto index by adding XRP, Solana (SOL), Cardano (ADA), and Stellar Lumens (XLM) to the existing benchmark, which already includes Bitcoin (BTC) and Ethereum (ETH). This change aims to make the index more reflective of the broader crypto market. If approved, the Hashdex Nasdaq Crypto Index US ETF could invest in all nine cryptocurrencies in the index, pending SEC approval by November 2, 2025. This move could enhance diversification in U.S.-listed crypto ETFs. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

Shoddy_Trick7610

NANO is not even good for moving money around. XLM exists and its way faster.

powelmarlin

Big win for altcoin legitimacy index approval with XRP, ADA, and XLM signals the SEC's slow shift toward broader spot ETF acceptance.

Petursinn

Again with the fake news, Ripple makes sure to subtly include other coins, this time XLM and ADA, for deniability. It is so obvious it is painfull, they have been using this same playbook for a long time now. These guys needs to face some consequences for this scammy abd fraudulent behavior

OaklandishJB

So I would be interested to know what the biggest differences between XLM and XRP because they both seem to do the same thing… Is there any big technical differences between them? I believe they both run a Proof of stake protocol both looking to streamline payments around the world..

Purplenastie

I do not know Nano. I remember seeing it a few years back but correct me if I am wrong it is a cash replacement. I personally no longer believe in any cash replacements. I had BCH, LTC etc but I do not believe they are required. That space will be replaced with CBDCs. BTC is different as it is a store of value and can also be used for payments. I think XRP and XLM will have some use case. Although I dislike XRP and got rid of that bag too. Most Crypto are pretty useless and are purely hype. They can all make you money and some of the biggest gains have been from absolute turds but so have the biggest losses.

AdamantiumAss

I like looking at the XLM's all time chart... it's like I am looking at an ECG chart.

moonRekt

I saw some lady on Facebook say that. I do believe this whole system is doomed to collapse even within 5 years and I hold XRP/XLM but I have no idea where these people are becoming so certain

Grunblau

AVAX, ALGO, XLM, SOL Already have enough BTC, ETH…

Due-Candy-8929

Dont trade emotionally and don't just follow retail along blindly… you are likely to sell the bottom abs fomo buy back in at the top … I hold a lot of alts : XRP ETH SUI LINK HBAR XLM DOT FLR ALGO ADA … but I’m not worried and not watching the charts too closely - a lot of analysts are expecting an alt season but the average retail speculator will get scared out and buy back in once they feel safer… buy the fear, sell the greed… should be more worried when people are saying “ITS NEVER GOING DOWN!”

rling_reddit

OP, you are absolutely right. I strongly encourage you to sell all your XRP, XLM and that pre-release Ripple stock you bought. I will be glad to pick it up at a discount. You are a great example of the "value" of this sub.

SpontaneousDream

XLM is nowhere near ATH.

Typical-Street-6496

Bitcoin and XLM

Due-Candy-8929

I much prefer to be diversified : currently holding XRP ETH SUI LINK HBAR XLM ALGO ADA DOT FLR... I stay away from memes / leverage - larger caps like ETH / XRP are a bit safer than smaller caps, but the higher you go up the risk profile the higher the potential returns as well... I like to play fairly safe though and don't really go into anything that small - be prepared to see high volatility, and to take profits and take some risk off the table as well - I don't plan to do a round trip this cycle! I don't think I'll be able to sell the top, but I plan to scale out of most of my cypto and take profits

francobian

BTC and ETH are your main plays, toss a bit in XRP, XLM, HBAR, and keep GRASS and FET small ‘cause they’re risky. Spread it out and chill

doyzer9

Given the last six months, we are still nowhere near the bull run of Nov 24. Excluding BTC, many of these are down 20% - 60% so it could still pay off at current prices. look at resilience, adoption, market sentiment, and corrections to gauge your percentage, and risk factor. BTC 30-40% Market leader, safest store of value. ETH 15-25% Reliable long-term project. XLM 10% Stable performance, and payment use case. XRP 5-10% Regulatory clarity possible HBAR 5-10% Institutionally backed, still growing. FET 5-10% Some exposure to AI sector so room to grow.... XDC 5% ISO 20022 bet, small risk slot. GRASS 0-5% Too volatile for conservative play. Finally, for no other reason than I love the project, and see huge potential, you might want to try Kaspa DYOR at kaspa.org now the fastest and most scalable crypto out there. 😱😱😱 As ever, just my opinion, and it might spark a debate 😜

Due-Candy-8929

I like LINK… it’s one of my top bags along with other utilty tokens like XRP XLM HBAR SUI ALGO ADA FLR DOT… I don’t really care too much about the prices but the tech is cool and hope to see more and more adoption and real world utility … prefer to invest in technology I believe in than just mindlessly buy BTC… also I don’t trade memes

mattpease1

Holy sh\*t most of the coins mentioned are trash... It's not 2021 anymore, old coins that did well past runs won't do well moving forward and will NEVER see all time highs again. This is simply due to dilution of altcoins. XLM, LTC, ADA etc will never outperform newer coins with more mindshare. I'm heavily allocated into HYPE, native token of Hyperliquid exchange due to the fact they generate nearly 1B per year off trading fees and 97% of that goes back into buying token (deflationary). Also solid exchange. I made a full thesis on Youtube: [https://youtu.be/asl5\_qiahYc](https://youtu.be/asl5_qiahYc)

ProfessionalJaded623

I would recommend ADA and XLM

cleanbeandream

Here are names to do some research on other than BTC AND HBAR - XRP, XLM, ADA, LINK, ETH

Onauto

Dig in and read, watch videos for a couple thousand hours. For now, XRP, XLM, HBAR, ADA, SOL, QNT, LINK, and BTC as a storage bank. Stay away from hype and look at functional crypto with institutional deals. No frogs, dogs, hats, or cats. Buy the blood and sell the green. That’s all I can say.

VegetableDesigner902

I'm hoping M87 is an early entry opportunity. I'm watching a few others too. I'm too poor for Bitcoin and Ether lol. My main bag is XRP. Moved my XLM into ZBCN earlier this month. If anyone has some good input, I'm trying to learn to be successful with this. I want to whale up on some early projects. ✌️

yolandis_cervix

HBAR & XLM should be your only alt coin..... OK maybe 1 or 2 others

Memecoin_Queen

**🪙$XRP** Honestly, this one’s my “long haul, don’t look at the price too often” play. I still believe XRP has a real world use case that most other coins can’t touch, especially with cross border payments and what Ripple is trying to do with financial institutions. Yeah, it’s not the most hyped coin right now, but I’m betting that regulatory clarity + slow and steady institutional adoption will pay off. I have been holding a nice bag of XRP for a long time and accumulate at every dip. **🪙 $XDC** Kind of the sleeper pick in the ISO 20022 narrative. Everyone’s yelling about XRP and XLM, but XDC is quietly making moves in trade finance and enterprise integrations. Super low fees, energy efficient, and it actually gets used. Not glamorous, but that’s kind of the point. If global trade infra ever moves onto the blockchain in a big way, I want to be there early. This is my biggest bag token wise, but not money wise ... YET! **🪙 $SXT (Space and Time**) I hold a nice bag of SXT and I am accumulating small amounts as I go. SXT is building a decentralized data warehouse that lets smart contracts query data off-chain and verify it on-chain. Think real time analytics meets verifiable computation. With AI and smart contracts both trending hard, I think there's huge potential here. Especially if Web3 devs start needing fast, reliable data that's also trustless. It's still under the radar, but the tech stack is serious. Recently, SXT announced a partnership with Microsoft to integrate its blockchain data services into Microsoft Fabric, the tech giant's data analytics platform. This collaboration allows developers to access real time, verifiable blockchain data from Bitcoin, Ethereum, and Sui directly within Microsoft Azure OneLake. By leveraging Space and Time's zero knowledge proof technology, this integration ensures that the blockchain data is both accurate and tamper proof. I am really excited by the potential future of SXT and will keep accumulating. **$SOIL** This one I’m actually really bullish on.... REALLY bullish on! The Real World Asset (RWA) narrative is heating up, and SOIL is playing in that space by offering decentralized lending backed by real revenue generating businesses in Eastern Europe. The APR is solid, the team is visible, and I think this one has legs as institutions start to warm up to RWAs. Only a few days ago SOIL was selected by Ripple and the DIFC Innovation Hub to join the exclusive XRPL EVM Launch Accelerator. This partnership positions SOIL as one of only four startups globally to receive backing from Ripple and DIFC, signaling strong institutional confidence in their model. Being part of this accelerator means SOIL will build directly on Ripple’s new EVM compatible chain, aiming to bring smart contracts to the XRP Ledger ecosystem. If you're not aware of SOIL yet, it's time to DYOR and jump in! (Not financial advice)

Due-Candy-8929

I’m also holding ETH , ALGO, ADA, HBAR, DOT, SUI… Ones I’m holding that you’re not include XRP XLM LINK FLR

Livid-Swordfish6355

Seeing as XRP, XLM, and HBAR are all basically going to act the same way price-wise, I might consider swapping out of one of them and diversifying into something like AVAX or LINK

jburry7

BTC is a great store of value. XRP, SUI, HBAR, XLM, Chainlink, are all great options for top altcoins. A hidden gem I’ve recently found is ZBCN. They’ve got an incredible team and some really great partnerships. They also have a credit card where you can spend your crypto directly. It’s a smaller market cap so it has huge potential to take off as well. Not financial advice!

Onauto

I’d be doing some diversification. BTC is value storage. XRP, XLM,XDC, ADA, SOL, HBAR, ALGO, and LINK are more likely to see aggressive growth between now and December. Hold and wait for the days people are freaking out over the green candles and sell DCA style on the up flow. Buy the blood and sell the green.

Secret-Tackle8040

You hold all shit coins, besides XLM which is excellent but not as an investment. You should look out for shills telling you to buy their bags. Bitcoin is the only crypto worth holding. Period.

Onauto

XRP, XLM, XDC, SOL, ADA, HBAR, ALGO, & LINK Solid cryptos with a future imo. If you’re feeling wild, ZBCN and KAS.

Onebadosteopathswag

It happens. i got fucked on ethereum because i got tired of holding that PoS at a loss and frankly it's overvalued. lost a little bit on XLM too. Bitcoin is the only way. everything else is just dumb tbh.

Merrick2025

Stellar (XLM)

BeginningCarry851

Bitcoin is a shit coin. What's its use case? Can't scale, environmentally fucked, expensive, clunky. Just a store of value. Dinosaur. ISO tokens XRP, XDC, HBar, XLM, Qnt. DLT is the new infrastructure to a new financial System with Quant Network"s Overledger, the programmable interface which will power the entire Web 2 to Web 3 space including the Finternet.

roksrkool

You will have 3 major camps: 1) Bitcoin maxis, all Bitcoin, only Bitcoin. US and China will likely fight over the supply here soon but we could see real chaos in Bitcoin based off how regulation and adoption go. 2) American Utility, XRP, ADA, HBAR, XLM etc these will be institution based coins but will likely see the largest gains over the coming years because of regulation. It has been floated "no capital gains tax on American crypto" but will see how that looks in 6-12 months. 3) Meme coins, most risk, wild gains, total rugs scams and glory. Yolo and straight gamba, this is not for the faint of heart, but you could be a millionaire overnight if you keep your ears to the ground and get into the right communities. It will likely be at the expense of a lot of suckers but hey, that's the name of the game baby! It's all cancer, but we're at the initial stages of global digital adoption being pushed by banks and institutions. First Mover Advantage comes from investing into any and all of it now before the 99% dive in during the global adoption phase. "With Global crypto regulation all boats will rise" -B Rad

External_Win_6067

Ethereum, XLM, Cardano, and Solana are a few of the coins I own. I heard a lot of good things about XRP but, I hear a lot of bad too. I suggest you look up Iso20022 compliant coins and what the WEF has to say about them. I'd like to also state I'm not a financial advisor and you should do your own research.

Mammoth-Barracuda559

Any thoughts on older coins like LTC,XLM,TRX

Grunblau

I’d like to narrow my scope to 5-7 projects. Likely BTC, ETH, AVAX, ALGO, XLM, a meme or two. Been too difficult to keep up with like 25 different projects and staking, etc…

D-PIMP_ACT

700 isn’t really enough to see a large gain bud, (10x+), so I’d play it safe and get one of the large market caps, but not too expensive. HBAR, XLM something solid, but with potential. With 700 seed you’d get a couple thousand shares, as opposed to a .0000X fraction

JohanBlazer

When these 2 coins reaches these prices its the top and the end of the bullrun 74c XLM $350 Litecoin

ieraaa

But isn't every coin in your list an incredible piece of shit? Are you telling yourself the coins in that list have value over BTC. Bro XLM doesn't even have value over XRP, let alone BTC. TRX? nahhh

Brandonva804

Lol you still mad bro. All my investments are in the positive. You think I only brought at $2.40? Lol delusional. Did you see my XLM and HBAR. Am I in the negative with them also 😂😂😂😂 Bitcoin is still outperformed by XRP stay mad lol.

liquid_at

1year performance: Bitcoin: +59% (at ATH!) XRP: +352% ADA: +63% TRX: +120% SUI: +268% XLM: +168% XMR: +187% "more upside" ... No. BTC is just less risky.

Onauto

ISO 20022 compliant crypto is where I’m looking. Type it into any search 👀 XRP, ADA, XLM, XDC, HBAR, ALGO, QNT, XVG, & IOTA. I’m betting these will be okay over the next few years. Given the chance at reduced taxes on US made crypto, you might narrow it down if you like.

FailingLotus

I stopped investing in XRP. I have 500 left that I’m just sitting on. A few projects that I watch are Kaspa, ADA, HBAR, and XLM at the moment. I got maybe 300-400 XRP at 0.37-0.79¢ per coin a few years ago. I’ve almost 3x what I put in it. I only hold the 500 now because of the hype, but that’s it. At this point, I’d be hesitant to drop $1k on XRP.

roksrkool

Its very SpongeBob meme but I see it when I look around. Personally I'm diversified enough I'm gonna be ok unless we have an entire systemic collapse which I doubt is going to happen. Too many big players in the game to stop it, they are just going to shift the system slightly towards their advantage. Enter American made crypto. XRP/ADA/HBAR/XLM etc. these are all still affordable to the average person at this moment but I believe this "utility" train will be leaving the station so to speak as regulation rolls out.  Also the bugs name is George, we love George (pronounced Gee-or-gee) <3

ECUNOQUARTER

XRP and XLM are dogs with fleas. BTC is the only long term play other than maybe ETH

DiamondTendieHolder

XRP, XLM , ADA, HBAR, ALGO, Shiba (if it were to go to $0.10-0.50), ETH and BTC.

Mysterious_Ad_4658

Id say the thing stopping full on adoption of USDT/USDC is the fees that are charged for transfers, until that happens coins like XLM are still cheaper to transfer (even though their value in usdt/usdc terms consistently changes)

Educational-Diver-37

Anyone like XLM ?

Lavasioux

Check out Stellar XLM. Stellar has a built in SDEX (Decentralized exchange) accessable anytime 24/7 our keys our coins. See the tokens issued on Stellar at SdexExplorer, a cmc type ranking website. Lobstr seems to be the fave XLM wallet.

Far-Creme-486

Xdc, XLM, XRP

Impossible_Half_2265

From meta To sort the ISO 20022 compliant cryptocurrencies by market value, we need to look at the current market capitalization of each coin. Here's a list of some ISO 20022 compliant cryptocurrencies, sorted by their market value: - *Top Compliant Cryptocurrencies:* - *Ripple (XRP)*: With a strong focus on cross-border payments and integration with financial institutions, XRP has gained significant traction. Its market capitalization is substantial due to its widespread adoption and partnerships with major banks. - *Stellar (XLM)*: Stellar's focus on financial inclusion and fast, low-cost transactions has made it a popular choice. Its market value is considerable, driven by its partnerships and growing adoption. - *Cardano (ADA)*: Cardano's robust blockchain platform and focus on security and scalability have contributed to its significant market value. Its peer-reviewed development approach and strong community support have driven its adoption. - *Algorand (ALGO)*: Algorand's fast, secure, and scalable transactions have made it a versatile solution for financial applications. Its market value is driven by its growing adoption and support for smart contracts. - *Quant (QNT)*: Quant's focus on interoperability between blockchain networks and traditional financial systems has contributed to its market value. Its Overledger protocol enables seamless communication between different networks. - *XDC Network (XDC)*: XDC Network's blockchain solution supports trade finance and tokenization of real-world assets. Its partnership with R3, a consortium of over 200 financial institutions, has driven its market value. - *IOTA (MIOTA)*: IOTA's focus on the Internet of Things (IoT) ecosystem and scalable transactions has contributed to its market value. Its unique architecture and quantum-proof cryptography have driven its adoption ¹ ². Please note that market values can fluctuate rapidly due to various factors, including market sentiment, regulatory changes, and technological advancements. For the most up-to-date market values, it's best to check reputable cryptocurrency exchanges or financial websites.