XLM

Due-Candy-8929

Don’t be all in one… or you’ll constantly be selling at the time you should be buying chasing the big green grass candles on the other side of the fence… diversify… I hold both DOT and LINK, along with XRP XLM SUI ADA ALGO ETH FLR … LINK has done better for me timing wise but DOT has a lot of devs and things are looking good for alts in the coming weeks / months… What have I been buying the last few weeks? ETH… because sentiment is in the gutter and it’s 1/2 the price it was a year ago… when I bought XRP over year ago it was $0.50 and sentiment was also really low, now it’s $2.17 … don’t be driven by your emotions or you will just be selling at the bottom and chasing things after they are taking off

-Asssniffer-

Split it between XRP & XLM

Lucky_Cost_9921

You haven't got a clue. Either that or you are having a laugh. Sol is one of the worst L1s in the space. It will become obsolete in time. It's VC pumped junk. Hedera, Algo, Aptos, XLM, and many others are far better in every department apart from popularity It's because the average crypto inveator is clueless that these chains like Sol are popular.They just listen to influencers and don't have the brain capacity to research.

winterbird93

I am looking at ADA, LINK, XRP, and XLM!

Open-Rush7876

Since $1200 is a good amount but not that much, considering people throw lots and lots of money in crypto. Yes, you can be on the safer side and throw it all in BITCOIN, but realistically with $1200 you won’t make much if it goes up. However, if I was in your shoes, I would most definitely look at XLM, ETH, and XRP. Also you could do DOGE as well since it does tend to move up. I could see DOGE hitting 20-25 cents. XLM is a good shot, I got in at 20 cents and it’s moving up. Just something to keep in consideration.

Gronkkkkk

You’re looking at short-term percentage movements, but ignoring the bigger picture. Sure, HBAR and ADA had some spikes, but most of that was narrative-driven and short-lived. And that’s exactly the point. People keep recycling these ‘old but gold’ coins like they’re still early plays, when they’re already high-cap, low-attention assets. The same logic you use against Bitcoin (large cap = lower potential) applies even harder to those coins, especially when their narratives are fading. If you’re playing long-term in crypto, especially to accumulate BTC, it’s not just about the % moves — it’s about where the attention flows, because attention = liquidity = price movement. And let’s be honest, coins like HBAR, ADA, XLM, and XMR don’t exactly dominate headlines or dev activity anymore. I’m not saying they’ll die, but expecting 10x from them while ignoring the market dynamics is just not realistic.

PoorCoyoteee

Any ISO coin, XRP, HBAR, XLM, Ondo, XDC, ADA

OrganizationStrong81

Stellar XLM

Lumpy_Lengthiness257

traded trump for XLM AFTER 30 mins whenever that was…too many coctails but reconsidered as i viewed 1 hr graph🤔. no actual utility & was sliding at the time. they did go up today but did not ride

Alascanamerican

Buy the American utility coins - XRP, SOL, ADA, HBAR, XLM, AVAX, et

Mammoth-Barracuda559

Do LTC, TRx, and XLM next

Due-Candy-8929

XRP XLM and HBAR are my 3 biggest bags (mainly because they have outperformed others im invested in : XRP is currently the best performing crypto over the past year, and seems to be consolidating again for the next leg up… expecting BTC to do a push to a new ATH and ETH / Alt season … if we get that I’ll be taking profits and moving to HYSA until depths of bear markets… my HYSA’s will only generate at best around 5% pa. Though… my XRP has far outperformed that… so I wouldn’t take right now, but would be looking to take profits soon… (YouTube wise my favourite XRP channel is Moon Lambo: they don’t buy into a lot of the hopium, and actively fight some of the disinformation / false narratives / hopium, while also sharing multiple analysts perspectives and TA)

FunDesigner5431

It’s mostly XRP, some XLM and HBAR

Onauto

Dollars are inflationary so you lose value over time. Certain cryptos have been crowned by an administration and the country is to be the crypto capital of the world. First three names were XRP, ADA, SOL. I’d put it all on those and wait. The guy wants to go down in history as the greatest and has already shown a knack for manipulating markets with a comment. He said now is a great time to buy. I’d trust that. His ego is too big and we’re just waiting on regulatory clarity before institutions go big. XRP has 19 ETF’s in the 2025 pipeline and could likely be used in the FedNow system. So much is happening in crypto, anyone not in when it takes off this year will be left behind. This is a once in a lifetime opportunity imo. XLM and HBAR will be along for the ride as well. JMO

Ragesauce5000

I can agree XRP is somewhat limited for the short term (but might become a monster in the ling) however HBAR is due for a breakout soon here I believe, XLM is somewhere in between

REAL8-crypto

XLM, which actually has real-world uses, setting it apart from most of the bunch of meme coins out there. Within the Stellar ecosystem, REAL8 has the potential to grow significantly, possibly rising from current price of $0.019 to $30 by 2025, as it aims to become a stablecoin pegged with silver, as per its whitepaper. It leverages Stellar’s blockchain to provide cost-effective, inclusive financial services. Drawing its name from the Real de a Ocho, the first globally accepted reserve currency for over 3 centuries, REAL8 carries historical sentiment that could resonate strongly with potential users and investors, particularly from Hispanic countries. Additionally REAL8’s emphasis on financial inclusion and potential partnerships with non-profits could drive adoption, though its ambitious price target depends on market traction and stable asset backing.

MaxxGawd

ooo HBAR def, XRP and XLM seem like they have limited upside though

Legitimate_Towel6291

Using Atomic Wallet to store 30k XRP, 105 QNT, 55k XLM and 20k ALGO back in June 2023. They allowed an Employee to open a back door from inside, let hacking group Lazarus straight in "Aparently" and covered it up, then ignored us and act now like it never happened. Steer clear of any exchanges that are based in Estonia. Konstantic Gladyshev ( AW Founder ) has been living it up like a billionaire since, I wouldn't be surprised if he took his cut from Lazarus.

NoFollowingMe

Look at Solana's chart. It looks fantastic. So does XRP's and so does XLM's. I'd hold some SOL. But it's expensive and it's human nature to want to own more than just a few coins. Given what happened with BTC. I think every one of the top coins will go long and hard. It's exciting to put your bets where you think you'll earn the most. That's crypto. If you wanna shit on every coin then so be it. I just don't really hate any coin, not going to ever put money into BTC. However I have in the past and made a 789% return which was fantastic, now I'm onto bigger and better things. Or so I think. None of us really know for sure. BTC is great for what it is, but slowly it's becoming very archaic and slow. That scares me, but doesn't scare the elites. Who knows man.

NoFollowingMe

Thanks dude. XMR is very appealing, however it's already $300cdn and then I also like PIVX. Agora's tau.net is also very attractive. However I'd want to buy XLM prior to any of these, currently I'm only holding XRP

olduvai_man

Pour one out for the XLM people saying that the dip was temporary. It never touched the previous a week prior ever again.

FinancialPeach4064

Here, I followed your advice and asked ChatGPT. The results are fucking hilarious, as I said: https://chatgpt.com/share/67fe6e9a-345c-8007-a1ed-1d78b4e7db7d >### **1. Cross-Border Payments & Remittances** >- **Why it matters**: Traditional international money transfers are slow and expensive. >- **Crypto’s role**: Coins like **XRP (Ripple)** and **Stellar (XLM)** enable near-instant, low-fee transfers across borders. >- **Example**: **MoneyGram** and **Western Union** have piloted crypto-based transfers to reduce costs. Ok, digital cash. So it's a Paypal competitor using a token, got it. One use case. >### **2. Inflation Protection / Store of Value** >- **Why it matters**: In countries with hyperinflation (e.g., Venezuela, Zimbabwe), fiat currency rapidly loses value. >- **Crypto’s role**: People use **Bitcoin** or **stablecoins** (like USDC or USDT) to preserve wealth. >- **Example**: Citizens in Argentina and Nigeria are turning to crypto as a hedge against inflation. This is still the same use case. You're buying and hoarding the digital cash. >### **3. Financial Inclusion** >- **Why it matters**: Billions remain unbanked or underbanked. >- **Crypto’s role**: All you need is a smartphone and internet to access decentralized financial services. >- **Example**: In sub-Saharan Africa, mobile-based crypto wallets (like **BitPesa**) are giving people access to global finance. Poor people can get collateralized loans using the digital cash. Ok, sure, second use case. >### **4. Decentralized Finance (DeFi)** >- **Why it matters**: Traditional finance is full of intermediaries and barriers. >- **Crypto’s role**: DeFi platforms (e.g., **Aave**, **Compound**, **Uniswap**) offer lending, borrowing, and trading without banks. >- **Example**: Users can earn interest on crypto or take out loans against it instantly. This is the same use case above, just the opposite end of the transaction. One is a borrower, one is a lender. Still the second use case. >### **5. NFTs & Digital Ownership** >- **Why it matters**: Proving ownership of digital art, collectibles, music, and real estate is tricky. >- **Crypto’s role**: **NFTs** on blockchains like Ethereum create verifiable ownership records. >- **Example**: Artists sell music and art directly to fans via NFTs; games like **Axie Infinity** use NFT characters. Here we go, tokenizing real world assets like Real Estate. The worst use case for an immutable blockchain ever conceived. Here's your third use case, and it's horrendous. >### **6. Micropayments** >- **Why it matters**: Credit card fees make small transactions inefficient. >- **Crypto’s role**: Coins like **Bitcoin’s Lightning Network** or **Nano** allow instant, feeless microtransactions. >- **Example**: Websites reward users with sats (tiny Bitcoin units) for watching ads or participating in surveys. This is the same as the first use case. Digital cash. >### **7. Supply Chain Tracking** >- **Why it matters**: Consumers want transparency in sourcing, and companies want traceability. >- **Crypto’s role**: Blockchains like **VeChain** are used to track goods from source to sale. >- **Example**: Food safety, anti-counterfeit drugs, and luxury goods authentication. Haha, this one hits home. I'm sitting on a -80% on my VeChain buy, back when I had the same thought as OP - what is a real world use case for this stuff, and how can I invest in that? That led me to supply chain tracking, VeChain, look at all these partnerships they've got with Walmart China and Shanghai Gas, this is the wave of the future! We've got an enormous supply chain crunch with Covid, if this stuff actually helps supply chains, this should be rapidly deployed across industries and companies worldwide. And it just... didn't. Because the use case is clumsy and offers no benefit compared to existing systems. But this is still the third use case because it's tokenizing real world assets. The real world asset is just a package being shipped. The package tracking requires a tag to put it on the blockchain that's manufactured and managed by a central authority. Yet again showing that tokenizing real world assets is an unnecessary middle man that could be done with a company managing a centralized database. >### **8. Tokenized Real Estate and Assets** >- **Why it matters**: Real estate and investments have high barriers to entry. >- **Crypto’s role**: Tokenizing assets allows fractional ownership and easier trading. >- **Example**: Platforms like **RealT** tokenize real estate, letting users invest in rental properties with crypto. Oh god, there it is again. Tokenizing real estate, same as the third use case. My favorite! >### **9. DAOs (Decentralized Autonomous Organizations)** >- **Why it matters**: Traditional organizations are hierarchical. >- **Crypto’s role**: DAOs use tokens and smart contracts to allow community governance. >- **Example**: Protocols like **MakerDAO** let token holders vote on monetary policy. Ok let's make this a fourth use case. You can buy "shares" of governance of an organization using crypto. There are loads of questions as to why this has any utility beyond a traditional company that could take money from investors to buy a copy of the constitution or an NBA team, but that's neither here nor there. Sure, fourth use case. >### **10. Identity & Authentication** >- **Why it matters**: Digital identity is fragmented and easily stolen. >- **Crypto’s role**: Blockchain-based IDs are secure, self-sovereign, and interoperable. >- **Example**: **Civic** and **Worldcoin** offer blockchain-based identity verification. Ah yes, WORLDCOIN, the bastion of use case and stability. Once again tokenizing real world assets, except this time, it's your passport available to the public instead of your home. Perrrrrfect. So overall, we have four use cases: 1. Digital Cash 2. Borrowing & Lending 3. Tokenizing real world assets 4. DAO That's it? This shit has been around for 16 years and this is all we've fucking got? Which takes me back to my original point. It has one real use case - speculative investment. LINE GO UP. Buy low, sell high, like any other speculative investment.

SjDolla408

This Bullrun didnt come as most people expected, if you're a long term investor no worries just keep holding. As we progress more of the projects will start to get used bringing life to the tokens, the days when crypto will explode 1000x like Doge did in years past are done. Meme coins will get left behind just the top 5 will have some use to them so they will stick around , the rest be cautious of a rug pull. Obviously (Not Risky) BTC and ETH are the driving force, Eth is getting Competition so expect Solana, Avalanche, Cardano to do well. (Alil Risky) XRP, has stuck around after the lawsuit they earned their place, XLM has alot of contracts /partners established and in the works.  HBAR has like a board of directors, i dont remember off the top of my head if its made up of 21 , all top Dawgs of Companies like Oracle , Google, Cisco, Hp, it seems like its mostly Silicone Valley Tech people.  That to me gives it some credibility. (Risky) go all in on meme coins, you might see Shiba, Doge, pepe blow up

LankyVeterinarian677

BTC for long-term hold is solid, and altcoins like XRP, RIO, SUI, XLM, DOGE, and SHIB can work for quick gains. Just be mindful of the risks with altcoins.

New_Hawk_4711

XRP and XLM is my guess

sinan-aydin

For learning I recommend checking out youtube channels like coin bureau invest answers and Benjamin cowen for solid fundamentals and market insights. Websites like coingecko messari and cryptoslate are great for research. as for BTC ETH and SOL they have strong use cases and solid ecosystems. ADA LTC DOGE and XLM also have their place but be sure to research deeply before investing.

Longjumping-Bonus723

Chainlink, Hedera, XRP, XLM, ALGO, XDC all of them will work with it

kyle_fall

> However, if you're in the camp that prefers the latter, you're probably not happy at all with the state of bitcoin. Why not? Plenty of other currencies that operate as low fees peer to peer currency. XRP, XLM, Monero, Bitcoin Cash, Dash, etc.

Onauto

XRP, XLM, or HBAR would be my choices. Let it simmer into 2026 or keep it forever. They’re not going to zero. It’ll be like buying Apple computer at a dollar if you hold long term. JMO

Lavasioux

Did you know that the Stellar XLM Network has, built into it's network programming, a SDEX (Decentralized Exchange) Your keys-Your coins. Access anytime, day or night, 365 24/7, via non custodial wallets like Lobstr Stellarport Xbull Stellarterm Solar etc, Check out SDexExplorer to see what's happening on the SDex. There are anchored assets like BTC, ETH, and SOL, as well as USDC.

Outrageous-Spring898

XLM

Peppi-Pepp

Hbar, XRP, KAS, XLM

RaspberryGood255

Avalanche. Its a rollercoaster. For now, i have 70% in Avax, and im doing pretty well. Also, i got an APY of 10%, non-staked. XRP and XLM have potential. IF you want big stacks with good payouts but volatile, Polkadot, Cosmos, Tezos. Good apy with stable projects but can be volatile at bearish times! Remember, its a risk eitherway, dont use money that you cant lose! Good luck

ridobe

I'm still waaaaay up. Almost all in BTC (90%). Sold all of my XLM @$.60.

Hidden5G

That “standard advice” was born in a time when Bitcoin and Ethereum were the only two names most people could pronounce without Googling. Back then, yes..they were the most recognized and “safest” plays in a speculative space. But fast forward to today: Bitcoin is a legacy asset with no real utility beyond speculation, it was labeled a meme coin by the Coinbase CEO, and Ethereum is still struggling with gas fees, scalability, and an unclear roadmap despite years of promises. Meanwhile, the crypto landscape has/is evolved. We’re talking ISO 20022 compliance, real world adoption, institutional rails being built, and blockchains designed from the ground up for global financial systems. XRP, XLM, QNT, and others are actively solving problems that Bitcoin and Ethereum never even tried to address. So is the “Bitcoin/Ethereum” advice still relevant? Only if you want outdated tech, slower networks, and speculative value. The smart money is following utility, compliance, and integration…not just market cap. In short, don’t take yesterday’s advice in today’s market.

biba8163

> How much BTC does Satoshi hold? I'll be your huckleberry. Only 91 BTC are in verified Satoshi addresses. 50 BTC is from the genesis block are unspendable. Satoshi tried to ensure as much as possible that Bitcoin was fairly launched -- as much as it could be at the time when there was skepticism around the idea that this could even work. On the other hand, Ripple/XRP founder Jed Mccaleb 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/

biba8163

And unless they have stacked up on BTC, whales are bagholding because Alts don't appreciate long term after gaining a large marketcap, they just pump and dump. - LTC is at December 2013 price level - XRP, ADA, XLM are at December 2017 prices - ETH is at January 2018 price level - Most of the token dump scams like LINK, DOT, HBAR, ALGO, etc are well below their 2019 or 2020 prices

biba8163

Alts don't appreciate long term. Shitcoins just pump and dump. - LTC is at December 2013 price level - XRP, ADA, XLM are at December 2017 prices - ETH is at January 2018 price level - Most of the token dump scams like LINK, DOT, HBAR, ALGO, etc are well below their 2019 or 2020 prices To make money with BTC: 1.You just have to hold it long term (nothing is guaranteed but 15+ years of growth and now adoption by institutions, corporations and nation states is a good sign it'll continue ) To make money on Alts: 1. You have to have BTC go up 2. You have to pick the right Alt out of tens of thousands, not everything goes up with BTC 3. You have to be able to time and buy bottoms or near bottoms 4. You have to be able to time and sell at the tops or near tops, generally the window for dumping shitcoins is very short and you'll have a community of bagholders all circlejerking and telling you now is not the time to sell but to buy more!

NoFollowingMe

I'd buy XRP, XLM, HBAR Nothing else screams at me to buy the same way those three do.

biba8163

- LTC is December 2013 price - XRP, ADA, XLM are at December 2017 price - ETH is at January 2018 price Alts don't appreciate long term

fan_of_hakiksexydays

Bitcoin should be fine whether we're still in a bull cycle or we have to wait 4 years. ADA, ETH, XRP, XLM, LTC, DOGE, keep surviving every bear market, and still make it back in the top coins. So I'm starting to think those are the alts you can rely on.

LibraryLadder

No one knows, which is the most common and true answer you will get. Crypto is a casino. XRP, XLM, VELO, HBAR are good options. AllinCrypto on X is useful to me, not to others.

HeavyAd6923

XRP, XLM, hbar, XDC

biba8163

**Altseason is the #1 way people lose money** 1. You buy a shitcoin and Altseason never comes 2. You buy a shitcoin and Altseason comes but your shitcoin gets skipped 3. You buy a shitcoin and Altseason pumps it but the community circle jerks and convinces itself that this is just the start and you need to buy more not sell We had an Altseason where scam likes XRP, XLM, that have been dead in the water for 4-7 years all went like 5X. Instead of saying *"Now is the time to sell you fools,"* the community tells itself now is not the time to sell but to buy more of this revolutionary tech that provide banks and financial institutions utility that will save trillions and people are taking out loans to buy more instead of lightening their bags. > Took a home equity loan against my house and went all in on XLM > Bought in at .56 opinions???? > Dude, SELLLLLLLLLLLLL!!!!!!! > no way!! i’m holding until $5 🚀🚀📈📈📈 > XLM Is for the people and businesses, XRP is focused on banks 🏦. Both good coins i think XLM is way undervalued atm https://np.reddit.com/r/xlm/comments/1h4zvb1/bought_in_at_56_opinions/m02qjsn/?context=3 https://np.reddit.com/r/TheRaceTo10Million/comments/1h5408f/took_a_home_equity_loan_against_my_house_and_went/ > Yeo lowkey feel like taking out a loan for XRP I feel like it’s going to be huge, imagine the return I can change my life around. Worst case scenario I leave the country but what do you guys think? https://np.reddit.com/r/XRP/comments/1h5xdy3/taking_out_a_loan_for_50k/ > I already own 3,011 XRP... right now I'm thinking about taking a 1k CC loan to buy 500 more XRP. Cash adv fee is 3%. Thoughts here? My avg cost is $1.73. 🥴 I have the $ to pay it fully off next month no issues...I feel like this thing will permanently lift off soon, leaving real buying power where its at now, so I gotta get another 1k in. https://np.reddit.com/r/XRP/comments/1h4qxa6/cc_loan_of_1k/ > I've been looking at taking out a loan against my 401k because I really want to add to my bag https://np.reddit.com/r/XRP/comments/1gzwsfv/401k_loan_to_buy_xrp/ > Worth taking out a loan? https://np.reddit.com/r/XRP/comments/1h4jibj/worth_taking_out_a_loan/ > Cashed out Roth 401K account and put it all to XRP. Call me crazy, but I’m very sure XRP will continue to outperform “normal” traditional retirement accounts. Let’s keep pushing! https://np.reddit.com/r/XRP/comments/1gyfysa/cashed_out_roth_401k_account_and_put_it_all_to_xrp/ > I bought 25k worth of XRP last night. Feelish bullish, YOLO! Oh well. Holding on tight. Waiting for January 20th. https://np.reddit.com/r/XRP/comments/1h5rsyd/i_bought_25k_worth_of_xrp_last_night/

ComprehensiveCrab50

Use BCH. Or HBAR, XLM, BSV, NANO. If you're gonna use a potentially coopted currency anyways, at least use one with upside potential and fees low enough to actually be usable as currency

Full_Concept2597

Incorrect. Have you never looked into Projects like XRP, XLM, Ondo?

PsychologicalLet3722

The perfect bag XRP, HBAR, ALGO, XLM , ADA , LTC , ZBNC , ( Can add VET also ) Fuck BTC , downvote me bitches -

Correct-Show9101

RsR, XLM and SHIB. In that order

Cirewess

Stellar XLM does.

Onauto

I’d stack top 5 American made crypto. BTC, ETH, XRP, XLM, ADA, and SOL since they’ve been crowned by the new administration. Don’t try to buy and sell. Investing long term stacking as you go with the money you can forget about is how to build wealth. All these assets will do very well over the next 5 and even 10 years. That should give you some freedom and a way out of construction by the time you’re 23 to 25 years old. Just keep stacking and don’t care too much about daily price action or what doom and gloom they claim on the internet

Aggravating-Buy-1695

XLM!

Au_77

Put some of that money into ISO 20022 coins like XRP, XLM, XDC etc. and watch your mouth drop in the very near future.

biba8163

Ripple paid MoneyGram $50 Million for a partnership to hype XRP use case in 2019 https://cointelegraph.com/news/ripple-to-invest-up-to-50m-in-moneygram-following-new-partnership MoneyGram then starting saying they were using XRP for cross border payments > MoneyGram said 10% of its present Mexican Peso transfers use XRP https://www.ledgerinsights.com/ripple-xrp-moneygram-transfergo-blockchain-payments/ Ripple paid $50 million for them to make this false claim and during the SEC lawsuit MoneyGram admitted they never used XRP and the partnership ended. https://cryptoslate.com/ripple-partner-moneygram-now-says-it-never-used-xrp-or-ripplenet/ I think there has been some news about XRP/XLM partnership with Ripple again. But it's important to remember: - MoneyGram is basically a failed scam company. - MoneyGram stock price was $270 in 2006 and it was $3 in 2019 all during the 2010-2020 insane bull market. MoneyGram's stock price chart looks worse than scam shitcoins on page 3 of Coinmarketcap. - MoneyGram scammers were bleeding money so bad, in 2019 they made a fake partnership with Ripple to say that they were using XRP for global remittance. - In June 2023, MoneyGram was acquired by Madison Dearborn Partners for $11 a share and delisted from the stock exchange.

6M66

there was also rumors XLM working with Moneygram. When stable coins are exist, why would a company uses xrp and xlm? I remember when Matic was announcing partnerships left and right a few years ago with big companies like Macdonald, turned out Matic team was paying them to get publicity, so it was fake.

_doobious

Yeah, what OP is actually talking about is XLM. That's their focus over there. On top of that, Anazon started with one little tiny fucus which was books.

izdigohkz

Entering crypto with the wrong mindset and unrealistic expectations would be worse than gambling, in my opinion I only invest for success in the long term, with assets built on solid fundamentals being my priority, positioning the likes of EOS, Sui, and XLM atop my target list

biba8163

These are the most successful Alts that were big marketcaps in 2017/18. It's a stark reminder that Alts don't appreciate after they have reached a large marketcap. They just pump and dump. - ETH 25% above January 2018 price - XRP -11% below December 2017 price - ADA -10% below December 2017 price - XLM -28% below December 2017 price - LTC -65% below December 2017 price - BCH -88% below December 2017 price

makickal

If the utility of the coin is to replace stable coins or fiat like Doge, XRP, XLM than the simple answer is no. I'm not sure how this is confusing for Reddit. Institutions will just use stable coins on scalable L1s. It's not hard to see where most stable coin activity already is and where USDC is NATIVELY issued. CRYPTO BEYOND BTC WILL NEVER BE CONSIDERED MONEY. There are a ton of digital assets that are driven by revenue like HYPE & SOL Then there are a ton that have potential for future revenue like Ondo. The asset needs to capture revenue or have potential for future revenue or it'll eventually go to zero. The only exception to this are real SOVs like BTC and maybeeee ETH if enough people keep buying it. I'm not sure why OP thinks Ondo is anything like XRP. It's a completely different class of asset. It's revenue or bust. You guys need to learn to figure out what category each digital asset falls into and then figure out how much revenue or potential future revenue each digital asset is exposed to.

skillmattic

Still up on ALGO, XLM, ADA, and DOGE and will buy a little more of the first 3 this week, have enough DOGE but before the run-up, I was piling heavy into KENDU and still buying more of that as well💯

biba8163

Dude who took a $100K Home Equity loan to buy XLM behind his wife's back is down -$55K right now. Fairy Tales of Alt Seasons carrying you into retirement, fictional stories of banks using XRP/XLM really do hurt real people. There are actually adults with wives and kids that fall for scams with imagined use cases because some scammers on Youtube, Twitter or /r/cc fell for it and shill it. None of these projects have value of their own or any utility. They only appreciate when BTC does parabolic runs to $10K, $50K or $100K and then they dump to oblivion. > Took a home equity loan against my house and went all in on XLM > Bought in at .56 opinions???? > Dude, SELLLLLLLLLLLLL!!!!!!! > no way!! i’m holding until $5 🚀🚀📈📈📈 > XLM Is for the people and businesses, XRP is focused on banks 🏦. Both good coins i think XLM is way undervalued atm https://np.reddit.com/r/xlm/comments/1h4zvb1/bought_in_at_56_opinions/m02qjsn/?context=3 https://np.reddit.com/r/TheRaceTo10Million/comments/1h5408f/took_a_home_equity_loan_against_my_house_and_went/

NovastaKai

btc,bch,Ltc, in order of payment size, or just XLM!? ^_^

MrKillerKiller_

XLM is the only coin i use to get money off coinbase. 1 min transaction time and cost is pennies. Ever seen the price at the chart lately? Everyone else knows xlm is one of importance.

Onauto

XRP, XLM, ADA, HBAR, ALGO, BTC, ETH, LINK, VET 🏆🎯🚀🏰🏦 Take your pick. It’s like catching fish out the bathtub.

biba8163

Banks, Money Transfer companies and Financial Instituitions have stated over and over again that they cannot use shitcoins like XRP, XLM, etc which have been scamming gullible crypto investors as money transfer solutions for banks and financial institutions: Here is JP Morgan on the how Stablecoins and CBDCs are unlocking billions in value in global money transfers but shitcoins like XRP aren't used: - High volatility of XRP leading to limited willingness from banks in using it to facilitate payments - Relatively high costs owing to spreads between fiat and XRP https://www.jpmorgan.com/onyx/documents/mCBDCs-Unlocking-120-billion-value-in-cross-border-payments.pdf?trk=article-ssr-frontend-pulse_little-text-block Even Ripple has said Stablecoins are the future for *"efficiently transfer value across borders"* and they are launching their own Stablecoin: > Stablecoins like USDC offer a revolutionary pivot... efficiently transfer value across borders, bypassing traditional banking systems and eliminating many associated risks....Lower transaction costs compared to traditional banking. As low-fee alternatives to traditional money transfer methods, stablecoins can facilitate global transfers without foreign exchange fees. As the integration of stablecoins into the banking system continues, they promise to reshape the financial world, offering enhanced efficiency, inclusivity and innovation. This evolution is not just about adopting new technologies but is a step towards a more interconnected and resilient global financial system. https://ripple.com/reports/the-functional-evolution-of-digital-assets.pdf Not only are banks using Stablecoins but banking giants like JP Morgan, Mitsubishi UFJ Financial Group , etc have their own blockchain networks, coins, tokenized assets. The idea that banks and financial institutions are all going to be using XRP or XLM is a scam hype narrative to dump useless tokens on gullible crypto investors: - JPM Coin from banking giant JP Morgan is a bank coin. (Note, JPMorgan has rebranded JPM Coin to Kinexys Digital Payments) - Progmat Coin from Japanese giant Mitsubishi UFJ Financial Group is a bank coin. You will hear bankers talking about banking coins, their permissioned institution-to-institution networks that create deep liquidity pools for moving money world wide. You will never hear these big banks working with Ripple to use XRP. > We move 10 Trillion dollars around the world every day. JPM Coin institution-to-institution solution to major inefficiencies of the current payment system. . Working in a permissioned environment with companies that are trusted and trust each other. Where they can move money within the ecosystem 24/7. Today we move a billion dollars every day for a number of large companies.......the next step is how to bring a retail version of that to consumers. Obviosly central bank digital currencies are one way to do it but there is also an opportunity for banks to create commercial versions of that. That is the next version for us for innovation. https://www.bloomberg.com/news/videos/2023-10-26/jpmorgan-s-georgakopoulos-on-global-payments-strategy-video > Last year, MAS launched the Global Layer One (GL1) initiative to foster the development of a public permissioned foundational digital infrastructure, upon which commercial networks could be deployed creating an open, digital infrastructure enabling cross border transactions and global liquidity pools. Since the launch, MAS and a core group of global banks, namely BNY, Citi, J.P. Morgan, MUFG and Societe Generale-FORGE, have been leading efforts to define the business, governance, risk, legal and technology requirements of the GL1 Platform. > The Kinexys Digital Payments removes traditional treasury friction points and is ideal for managing real-time liquidity through cross-border payments beyond currency cut-off or non-banking hours, such as on banking holidays and weekends. https://developer.payments.jpmorgan.com/docs/treasury/global-payments/capabilities/global-payments-2/jpm-coin-system > Mastercard (MA) has connected its blockchain-based system for shifting tokenized assets, the Multi-Token Network (MTN), with JPMorgan’s (JPM) recently rebranded digital assets business Kinexys https://www.coindesk.com/business/2024/11/21/mastercard-and-jpmorgan-link-up-to-bring-foreign-exchange-on-the-blockchain

andys811

They probably use Stablecoins on the Stellar Network, they would hold XLM for paying fees

whitenoise2323

They will use the Stellar network and XLM is the native token you need to open a wallet and pay fees (which are tiny but add up with huge volume)

StraightStackin

OK, but will they use XLM tokens? Or just the same tech?

whitenoise2323

Franklin Templeton said they could save millions of dollars in fees and speed up their business by moving everything on the XLM chain which they already started doing. I guess they ran a test and saved like $50,000 in fees right away

repearz

Well generally speaking BTC to store wealth and invest, it’s got crazy long term performance. XRP just has good marketing so they became the go to what they do. DOGE, idk what institutions would touch that lmao. ONDO, onchain RWA’s is wanted for the ledger of transactions made by blockchains, furthermore ONDO itself is going allow institutions to run validators on the chain so more money, security and certainty trading onchain. Idk enough about XLM tho. Disclaim I hold BTC and ONDO so yes I believe in them but only after my own research

PsychologicalGood922

Xrp, XLM, Hbar, ACH. These will be money. XCN for the wildcard, BTC, SOL and ADA for the slower and most reliable growth. Fuck the meme coins.

biba8163

- LTC barely keeping up with inflation to beat its 2013 price level - XRP, ADA, XLM at December 2017 prices - ETH 30% above 2018 price level It is regarded to invest in non-performing assets that don't appreciate long term where the only way to make money is to time the pump and dump

biba8163

Alts Outperform BTC. Lets compare ETH and XRP to BTC from when crypto reach $100 Billion marketcap and even Alts starting breaking into billion dollar valuations: - Summer of 2017, the difference between BTC and ETH marketcap was $7 Billion - Summer of 2017, the difference between BTC and XRP marketcap was $30 Billion - Today the difference in between BTC and ETH/XRP marketcap is ~$1.5 TRILLION Well, that wasn't fair. Lets combine all the 1,000 Alts and compare their performance against BTC: - The total marketcap of ~1,000 Alts from Summer of 2017 including ETH, XRP, XLM, LTC, etc has gone up 7X - The total marketcap of BTC since the Summer of 2017 has gone up 42X https://coinmarketcap.com/historical/20170615/ Well, that's not fair. What you need is a crystal ball, pick the right Alts, buy the bottom, sell the top, play a game of whack-a-mole and musical chairs chasing all the pumps and then Alts will outperform BTC.

biba8163

> Some real shady shit Justin Sun learned the Art of Scamming working for Ripple in 2014. Here is Justin Sun shilling the scam narrative that banks are going to be using XRP back in 2014 at Ripple: https://www.youtube.com/watch?v=q8NvJYsmqvY&t=27s Justin Sun worked under the tutelage of the Greatest Scammer Crypto has ever known, Jed Mccaleb himself. Here is Jed McCaleb resume that makes him the GOAT of Crypto Scammers: - 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/

Correct-Show9101

RsR, shib, bone, XLM

MightyMajestical1

If 350 only compound it I say XLM first, or hbar that's 1800 shares

Cassius23

But they are the only purpose.  All utility coins fall into a few buckets. Some of are just lying.  Others are already fully implemented and there isn't any "there" there anymore(look at TRAC or anything related to payment processing like XLM).  The third bucket is "tech for tech's sake" where you have an application or idea but implementing it would crash the economy/it can't make money(this is anything privacy related considering most of our big IT businesses require massive amounts of customer data or they will fold). I know of maybe one asset that has a use case that is being monetized and won't destroy the economy and I can't recommend it because the developers seem to actively hate their investors and you need to be real good at dealing with crypto to work with the asset in such a way that you can make money.

SamVimesThe1st

XLM and PI. Basically, the ones working on actually being a currency.

whitenoise2323

You should read about their escrow schedule and road map before making overly simplistic assumptions. XLM is probably the least scammy coin out there. It's non-profit and utility focused and may not be very lucrative, but its not a scam.

Due-Candy-8929

I like HBAR… my top 3 bags are XRP XLM and HBAR… HBAR was probably my best performer post November although has pulled back further than XRP … much happier diversified though

noviwu97

Altcoin bullrun happened, it's just not to your alts. Even this sub's favorite like ALGO and XLM pumped 500%+ from the bottom. If that's not enough, you're just greedy.

yolandis_cervix

😂😂😂 they should have bought DGB or XLM and wait until it....um....something about the moon

fan_of_hakiksexydays

I'm a little puzzled that we haven't hit the low $70Ks by now. It's not from lack of time, lack of bad news, lack of stocks drilling, or lack of Sundays we've gone through. We'll see what this bloody Sunday can muster. But here I am waiting to load up on ADA below $0.70, wondering if I need to move up my buy orders if we still don't hit a new low today. I only managed to have my Doge order hit. My LTC, Link, XLM, HBAR, and Algo haven't hit yet, and I've had those buy orders open for weeks.

Luiaard_13

I actually moved some of my PI to MEXC to exchange it. Worked very fast and was able to withdraw within minutes my XLM. So it is live and legit.

Aldhyabi

XLM : most supply for the team , high risk of dumping

Aldhyabi

XLM:most supply for the team , high risk of dumping

john2525252525

XLM ?

calvin129

Pick a coin with a future; Not random gambling on meme coins. Pick one with utility like ISO20022 tokens: XRP, ADA, ALGO, XLM, HBAR. Or go with the safest; Bitcoin, but less profitable than XRP for example. Remember that this is year 4 of the cycle. It will all fall again by end of this cycle. I’m in crypto since 2013 and it has repeated 3 times. It’s a good indicator.

LankyVeterinarian677

Lost some, but I see it as stacking rather than losing. Once the market picks up, my holdings in Sol, Sui, Peaq, XLM, and Shib are set to double. It’s all about positioning—staying patient and letting time do the heavy lifting.

TexasTerror710

Good responses... add XLM

RareBadge

XLM, I like the idea and it is cheap enough that $100 will get you a good amount of coins. If XLM will reach XRP prices you’re golden

Ninabilyunarya168

XRP, BTC, XLM, Solana, Hbar, Cardano?

Synicism10

Fees on XRP and XLM are always .00001 no matter network demand

Synicism10

Ugh well i guess that settles it, I may as well swap to better performing crypto's before my sunken cost fallacy kicks in... Have some BTC, XRP, and XLM. Will split between those tokens to avoid more losses.

Hungry-Class9806

XRP at $10 would double ETHs current market cap. Is it possible? Yes, especially with ETFs and increasing adoption. Should we expect it in a foreseeable future? Don't think so. >I 've also read that it's gonna be a bankers coin, that banks and institutions will be acquiring it through Ripple at a discount I suppose. So where do hodlers come in? How is it helpful to hold this token? This is BS and something that XRP holders been saying for years and is still not remotely close to happen. I friend of mine is an XRP holder and he told me that the ECB and other major financial institutions were about to adopt XRP to process transactions... like 5 years ago. And if you look at it in terms of utility/tech, XLM can process transactions tens of times faster than XRP even though it doesn't have the same adoption.

calvin129

A lot of people will judge me for the sake of this, but there’s a lot of truth in this. Worldwide, the banks have been preparing for a new standard so that they can implement the technology of certain cryptocurrencies. This standard is called ISO20022. This standard will create mass adoption for the tokens that fit this standard. This includes XRP, XLM, ADA, XDC, HBAR, ALGO. If I were you, I would put 60% into XRP, 20% into XLM and maybe 5% in the others

brandon0809

PI, XRP, NANO, cardona, Sui, XLM, Litecoin, CRV, ondo, algo, Kas, mantle, KSM, ENA. Just to name a few.

Kingpax75

Or XLM

Aloha_24

I would stock up on coins I would use to transfer to exchanges and then sell at a profit and buy the coins I want to Hodl. Coins I buy would include DOGE, XLM, XRP, SHIC, and PEP. I also might buy coins I can stake for 20% apy. Yes I like to diversify my portfolio too. I would use Doge, xlm and xrp to onramp on exchanges, sell at a profit and buy SHIC with it. What is Shiba Coin? Dogecoin + Shiba = SHIC "Shiba Coin (SHIC) is a Dogecoin fork, layer 1, scrypt-based cryptocurrency designed for simplicity, community engagement, and fun. Built by DOGE enthusiasts for the Shibainu community". \#Shic #ShicCafe #ShicFamily #Layer1 #DOGE #LTC #Bells, #LKY, #PEP, #JKC, #DINGO, #Shibainu #Community #Shibacoin #DogeCoinFork

Magnetronaap

Okay, and? That just means that back then you talked to people who were wrong. Read the chart, it's painfully obvious: 2017, wave 1, ETH ath 2021, wave 2, ETH ath 2024, wave 3, ETH double topped at 85% ath One of these is not the same as the other two. It's right there on the chart for everyone to see, it's not some sort of magical prediction. It's based on historical trends that we have seen over and over and over again. It does not mean ETH can't ever again go to an ath, but the probability is simply very low. Go look at charts for ADA, Doge, Link, XLM, HBAR. Same story for all of them. If you do your 'research' then you probably know about basic chart reading skills. If not, go look at some of the daily new memecoin charts. Once they fail to establish a new ath after a correction they're done. Good luck.

LankyVeterinarian677

Perfect time to start DCAing. Markets move in cycles, and the best opportunities come when fear is high. SUI, SOL, XLM, EOS, and PEAQ are ticking all the right boxes with what they’re building.