XLM

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. 

Potatocores

And it’s still worth less than half of its all time high that was set when bitcoin was worth significant less. XLM Is a great medium to move funds around quickly. It’s not a better investment than Bitcoin regardless of what happens in a one year period. Zoom out.

Altruistic-Buy8779

Bitcoin is up 107% over the year. XLM is up 413% over the same time span.

Altruistic-Buy8779

XLM has been outperforming Bitcoin at times.

Altruistic-Buy8779

XLM is decentralized. XRP is centralized. 'nough said.

blockhead92

A lot of folks in here are trashing XLM just because of price. XLM is a utility token for the Stellar ecosystem but doesn’t tell the whole story. I encourage you to read about how to make money using Blend or Aquarius on Stellar plus other less popular examples. Using these + the very real world integrations that are happening make this the perfect moment to dive in. Visa, PayPal, Paxos, Transparent Network in Ukraine are all coming online in the coming months. MoneyGram global cash in and out has been live for years. I can’t speak to Ripple/XRP, but I am confident that Stellar is primed for success in a way that few other blockchain ecosystems can compete with. Just looking at the market cap of XLM… it has a lot of room to run. Happy to share more info if you are interested.

conceiv3d-in-lib3rty

Neither. XRP is essentially vaporware that is still enriching its creators to this day. XLM is a solid project, but it plays its role as a currency. Currency-like token/coins do not make good invests in the crypto market.

SunDreamShineDay

>Neither XLM or XRP have much going on in terms of TVL Why do you think remittance chains that are consensus and not proof of stake would have a high total value locked?

cryptolipto

Everyone who doesn’t understand crypto justifies their purchase by saying “number go up” It means nothing for the long term outlook of the project. Neither XLM or XRP have much going on in terms of TVL, institutional adoption, or onchain activity

cryptolipto

I honestly cannot believe that XRP and XLM just constantly bring in ignorant noobs like this

n4weed

XLM has been in XRP's shadow for years and hasn't come close to matching the performance even during XRP's dark days of the SEC lawsuit which has concluded. I wouldn't waste money on XLM and I'd cycle the money into a combination of XRP and HBAR.  BTC isn't going to outperform much more than it is now.  Once the bear market hits and by then you should be in cash then invest into BTC. 

northcasewhite

>XRP is a true ponzi and it has produced value for holders but only thru mistruths, bribing, and heavy marketing of said mistruths.  And this is why it will do well this cycle. Even people who work for institutions fall for the lies. XRP is trash. XLM is better trash.

Potatocores

if XLM was going to change everything it would have changed something by now. It's been around for 11 years.

1_BigPapi

XRP is a true ponzi and it has produced value for holders but only thru mistruths, bribing, and heavy marketing of said mistruths. XLM is marginally better but both are probably equally unlikely to offer any real world results long term.

SenseiRaheem

I have held XLM since 2020. It was one of my first alt coins. Its all time high was in 2018 at $0.94 and it has not come anywhere close since then. Not financial advice, but it’s one of my all-time worst performers.

blockhead92

Check out XLM and the Stellar ecosystem more broadly. You can see some of my advice in my recent comment history, but for the short term: their annual conference (Meridian) is coming up in one month. This plus other external recent news means the hype should be trending upwards in the short term! Besides this, there are many other concrete opportunities on Stellar which are very appealing from an investment perspective. Happy to share more info if you are curious.

Automatic_West6257

No one knows. ETH by far is the safest. Hbar and xlm are mere gambles. They could pay off well, or leave you in regret. I’m a supporter of hbar. XLM not so much, but that’s simply because I have chosen not to research it.

Tealover2704

If you want to trade them with leveraged accounts, it is impossible to predict. If you want to invest, I personally think ETH is too high, while HBAR and XLM are alright. But never go all in, divide your capital so that if the price drops you can still buy more.

RastaBooties

I don't know why people ignore SOL going from $15 to $300 and not call it alt season, XRP 5x, LINK 5x, BNB hit ATH, most coins did 5-20x. Every time, some projects just never run the same as previous runs, a good example would be XLM, on of the oldest project, it never came near the 2017 ATH but it has consistently pumped in bullruns. Yet, people pretend that a 'proper' alt season means surpassing previous ATH or something.

Andy_Randhawa

XLM

CaptainRelevant

Don’t most founders keep a stockpile of their coin? Didn’t the Stellar guy keep a larger stockpile (60%) of XLM than Ripple did of XRP? But no one says shit about that, or TRX, or even ETH. This is just residual hate from when crypto really was about sticking it to the man post-2008 housing market crash, and XRP was started by a big bad corporation in bed with the banks. I wouldn’t let feelings stop you from making money.

Emergency_Egg1281

Take the sure thing and buy XLM . It's .50 going to $5. All in on XLM !!

cryptoPMC

You could say XRP has already done a 6× this cycle. XLM and HBAR are “dino coins” from the last cycle. I’d suggest waiting for a dip and then buying 1–3 high-quality memes — for example, SPX6900, Giga, Mog, or Pepe. It’s a meme cycle right now, and these picks have huge communities (especially SPX6900, whose community is obsessed and shooting for the sky) and are well-distributed (check Bubble Maps). After buying the dip, I’d aim for a 3×, sell out your initial, and then keep an eye on market indicators so you can exit before the big boom. DCA out of your position. Keep another $1,000 in staples for BTC investing in the next bear market, and cash out the remainder.

Equivalent-Badger439

None. The bull run will be over long before December. My friendly neighborhood suggestion is to get in now, go for a 2x, meaning sell at $2,000, and wait approximately 1 year before you start to dca into your favorite coin. Ideally, XRP, XLM, HBAR. These are still in position to give you that 2x. Goodluck

Low_Arm9230

XLM is 0.4 right now. Might hit up to 5 dollars in one year or two

burbonblack

You would probably make more off of XLM or HBAR.

Embarrassed-Rent8214

Xrp will retrace previous low when it hits $4, in my humble opinion (approx $2.10) so there's a good wedge to be made there. Ada looks like it's going to god candle any time soon, XLM might rally up to north of $3 without warning and LINK is looking mighty sexy. Lots of options. All come with the usual risks and I'd recommend spot purchases with a sell limit set just below your comfort zone so you don't "lose" much.

Ok_Rock_8421

Buy $1000 xrp, and $500 Hbar and $500 XLM. Good spread each has $1000/token potential in 5-10 years maybe more…and for god sakes don’t sell until you see each at 4 digits. DONT EVEN THINK ABOUT IT!!!

blockhead92

XLM - talk me out of it 

EEAsker

XLM moves with Xrp and Hbar

Grunblau

Happy my lazy ass never sold my XLM… Still have zero idea why it pumps on XRP news other than sharing a founder.

Thick_Western_7031

Unfortunately, you need to by like me 300k of them when they were .17 cents in 2020 so I guess sucks for you now because your probably poor. I own an oil company so I make money that way as well. Im just saying buy H bar and XLM youll make way more than bitcoin if you enjoy making value. Even XRP always out performs BTC. Facts

Grunblau

Robinhood have CDC style spreads these days? Had some XLM set to sell at 0.4321 and it went up to like 0.485 and didn’t sell. At least Coinbase sells when the order book hits your number…

Longjumping-Bonus723

Link 🔗 XRP XLM ALGO wow 😲 let's go! 💰

ThriceHawk

Absolutely not. ISO20022 is not replacing SWIFT whatsoever... SWIFT has been the one instrumental in promoting and facilitating its adoption for their 11,500 financial institutions/banks. They began migrating to it for cross border payment messages in 2022 and have had a phased approach to go live in November of this year. RippleNet is simply compliant with ISO20022, just like XLM, ADA, ALGO, HBAR, QNT, IOTA, XDC, and..... Chainlink. But Chainlink is by far the most involved in it. They are partnered with SWIFT and have been working with them for years now, rolling through a PoC and live trials to help SWIFT facilitate DLT based cross-border payments for all of their member institutions. Banks will be able to create their own stablecoins (like JP Morgan is doing, working with Chainlink as well), and they'll be able to integrate with other blockchains using SWIFT's standards and Chainlink's CCIP for interoperability. Eliminating the need for intermediaries like Ripple. But Ripple will still be useful for the smaller banks/financial institutions, they just will have competition for it and won't attract the large banks who can create their own on Ethereum, etc.

rm_reddit

and what about $XLM and $XRP which have already started their application in the financial and banking sector? RWA coins and real estate tokenization in the UAE - little by little but Web3 technologies are making their way into real life

LTStormchasen

+ Bitcoin + ISO20022 tokens (XRP, XLM, QNT, HBAR) + gold + silver + Vietnam Dong (foreign currency)

blockhead92

You’d be surprised if you haven’t been plugged in recently. The ecosystem has had tangible and strong growth for two years, especially the last 15 months as the smart contract ecosystem launched. Next few months are shaping up to really accelerate as well with PayPal and Visa integration. Like anyone else here, I’m happy to share more info if you’re interested. There’s a lot to catch up on, but a great place to start is an AMA that was held yesterday on the Stellar subreddit. Investment wise, you don’t even need to XLM to make money on Stellar as it has a competetive and low fee defi space + stablebonds via etherfuse.

Thick_Western_7031

No but XRP, XLM Hedera Hashgraph and others can do it and not get hacked by quantum computers like Bitcoin will unless it changes its code.

Equivalent-Badger439

XLM or HBAR. Go for 100% gains. Sell half and then see if you can get another 5 - 10k before BTC gets back under 130k. Good luck

Jzknights

I converted all my Bitcoin and XLM to XRP....did I make the wrong decision?

calvin129

That would be a good idea. However, next year is a bearish year. Everything will go down. This means that my 2027, everything will be lower than the price is that you have paid in 2026. That means you have wasted a lot of money. Because it’s a given: it always happens. Year 1/4, save up to buy year 2 when its heavily discounted! You can still buy right now because there is still huge potential, even though this will market only has a few months left to go. Potentially until the end of December, even. However, there’s one thing to keep in mind: there are a set of utility tokens, which fit a certain standard that has been set by the banks and big organizations. These have huge potential to break out against bitcoin. This means that they might break loose. That means that they will no longer move together with bitcoin as much as they do right now as in the future. So you would be well off to risk a bit of it by purchasing XRP and XLM anytime. But for tokens ghat are not ISO20022 compliant, it’s a given to crash in 2026.

blockhead92

XLM

Final-Finger5211

ETH, XRP, XLM (on the dip)

Fatima7537

Bitcoin is the king, but i like ADA, HBAR, XLM, XRP, VECHAIN AND POLYGON.

Andy_Randhawa

XLM is showing very bullish signs lately. The Stellar Organization needs to game up on the marketing side.

Legitimate-Royal-852

The axel vasa character tried the same thing with me: Crypto scam to buy XLM setting up trust wallet linked to https://qfsvaultsystemworld.com to by the crypto. He had me buy 1000 worth of xlm at the above website, however, i was lucky because my trust wallet linked to a new google pay account was wholly unfunded.

Due-Candy-8929

I hold all these :) Others I have include : XLM SUI ALGO LINK FLR DOT Worth doing research into market cycles and market psychology though and finding some good Technical analysts (to get an idea of where markets could go) Avoid emotional trading as well - people tend to throw money at green candles and panic sell on crashes

Trentonhawk

IMO those 5 are all great choices. BTC and ETH to me are no brainers. XRP, ADA and HBAR are solid as well. I see all 5 of these at least 20% higher by the end of the year. I'm also DCA'ing into XLM. Might want to look at that one too. Best of luck with your investments.

TooEasyBGM

Xrp XLM all I hold now days

Initial_Influence550

I was totally confused about investing in these coins I thought more coins more money. I researched. It said if I had $5000 in bitcoin or $5000 in XLM IF EITHER WENT UP 10% no MATTER WHAT DUE TO INITIAL INVESTMENT RISING 10% that’s the total gain. I was thinking otherwise, I REALLY NEED HELP 😂 I honestly just trying to short term swing and short sells my portfolio until it’s doubled

nuclear-bomb-1993

XLM

FourScores1

XLM does though

CytronicsZA

No XLM :(

telepathist11

So you are saying there will be no cryptopocalypse. The dinosaurs will always rule the earth. Ive heard that before. Isnt that faith? Like thinking certain books are the "Word of God" rather than written by humans? XLM doubled in a week. How is that going to work for hamburgers or paying rent? Your rent cant double in a week without someone going homeless

twendah

Stellar XLM is your best option. Literally best smart contracts + financing equipment of all the other blockchains combined. There's nothing XLM doesn't have built in what other doesn't when it comes to financing + there's so much more intresting stuff. Very good docs and community, I really recommend if you are trying to build something meaningful. Regards, senior dev.

Raw-B-

XLM is a joke Ask yourself, can you explain HBAR to your grandpa? XRP, Pengu, CRO, SOL, ETH. That is the mix that will make you a millionaire. CRO has sports betting, leveraging, options trading, crypto credit cards, one of the major U.S. brokerages. Think like a billionaire, what do you think they think we want to invest in? Is it XLM (basically a scam or failing competitor to XRP) or is it brokerage tokens and defi currencies?

Own_Entertainment164

Cardano is serving 3rd and 2nd world countries with a presence in Switzerland. More coming out of Switzerland has to do with Solana imo. I wouldn't do Cardano. Low staking yield. Services in low interest countries don't make it attractive to me but, that's subject to change. I haven't researched XLM and right I'm not going to. I hold HBAR. That's the one I would go with

InvestAn

Well, my money is on HBAR. I think XLM will do well too as a utility play closely aligned with XRP. I "used to" hold Cardano, but don't see myself establishing that position again. I think Hedera has better tech and partnerships with more room to run. Not financial advice, though, just chouxes I've made for myself. Good luck!

Longjumping-Bonus723

Scalable? Secure? HBAR! or XLM/ALGO

Ghostserpent

Isnt the XLM weekly chart crazy bullish?

Jenn2895

😆 This is r/cc… place to shill your bags. 🤣 But no. I also have Ethereum, Avax, AAVE, Ondo, XLM, TRAC & a tiny SOL.

A_Turkey_Named_Jive

BTC, XLM, and a handful of others tie for 3rd, but if I had to pick, ETH.

Due-Candy-8929

I stay away from memes but invest heavily in large / mid caps / utilty tokens… XRP XLM HBAR SUI LINK ALGO ADA FLR DOT ETH

IvorySlaysFPS

But XLM is not carrying as much adoption and has zero chance of replacing the SWIFT Banking System. A lot of you skeptics are in for a wild surprise. Maybe you’ll be on time for the next ride.

Acrobatic_Box9087

Buy WinkLink, XLM, and BONK

Due-Candy-8929

Tbh i find it so weird to see people put ETH in a little bag with BTC when 2 months ago everyone was saying it was dead… even with its big pumps its only up 10.5% from a year ago… BTC up 69.3% from a year ago now.… Meanwhile SUI is up 396.4% XRP 383.1% XLM 286.2% BGB 286.1% HBAR 276.4% ADA 81.8% ALGO 74.4% I dont plan to round trip anything this cycle - will be selling everything including BTC / ETH… Look at BTC last cycle : from 69k it took around 850 days to get back to that same level… and from there to here it is not even a 2x… Meanwhile if you sold close to there… and bought back after the crash to 20k you are looking at much closer to a 5-6x

Longjumping-Bonus723

Look at HBAR XRP XLM QUANT ALGO etc. they all are working on this and the recent price action shows ;) people need to understand what stablecoins are capable of and why the trump administration pushed through the genius act bill etc. this is big. Also check out the circle stock and the story around it. Stablecoins are my money printer 💰 just by holding a few utility coins.

cconnorss

I really don’t try to shill. But Stellar XLM is so under the radar and it is in the exact narrative that’s Ripple is running on. I’m surprised it hasn’t been talked about more. That said, it’s up over 100% rn, so idk if it’s a great time to buy. I’m just holding 🫡

LithoCryBoi

XLM

P8tr3t_369

Monero needs to bridge over to the stellar network they use PoA(proof of agreement). Proof-of-Agreement mechanism is attaining consensus in a permissionless distributed system (“permissionless” meaning that no central authority controls who joins the network). Stellar nodes are open membership and transparency: Anyone can run a node and join the network and nodes are not anonymous. The organizations that run them identify themselves, and they work to gain the trust of other network participants. The Stellar Consensus Protocol (SCP) is a consensus mechanism used by the Stellar network to validate transactions and reach agreement on the state of the ledger. SCP eliminates the risk of 51% attacks, because it does not rely on computing power. This is unlike proof of work and proof of stake systems that are subject to attacks where some entity or group of entities could secure 51% of the computing power that runs the network and then take over control of consensus and block, rewrite, or reverse transactions and/or risk double spending. Then in the future you never know XLM + XMR = XELMO (XLO) 😉

SufficientBug5940

I did the same last year when I sold some XLM to buy a 4090.

blaziken8x

He was making a joke. If you will hold long term just buy BTC as everyone else said. And don't be scared if the entire crypto market drops 40% at some point in the future. Personally, I swapped my alts (XLM, ADA and Doge) for BTC and ETH a couple of days ago.

Blendzi0r

I had ADA and XLM. Sold every single coin long time ago. I don't think they have any future. If you want to gamble, buy the ones with the lowest market cap. If you want to invest, buy none of them. But if you want to gamble, I recommend buying Moons. You'd be supporting the sub at the same time.

Lahoriey

Why do you say stellar XLM?

flyingfrying_pan64

right now probably not yet, wait for it to cooldown a bit, peak just finished last week. I would suggest you to focus more on ETH, XRP, XLM, SOLANA, HBAR, GRT,& lastly, BTC

Sweaty_Wizard

Stellar XLM