Watchlist Scored and tracked, but not rated for deep research yet — no full analysis. A coin moves up when its verdict reaches Moderate (6.0+) without an unlock-risk flag.

Stellar (XLM)

Payments Rank #26 CAUTION

5.9 /10

Score breakdown

Unlock	7/10
Tokenomics	6/10
Insider	7/10
Onchain	4/10
Dev Activity	8/10
Revenue	2/10
Institutional	5/10
Etf	5/10
Market Structure	7/10
Security	8/10

Analysis

Stellar's fixed 30B token supply remains fully circulating, eliminating inflation risk from future unlocks. The Stellar Development Foundation announced a $200M DeFi acceleration program in February 2026 to boost Soroban smart contract adoption, contributing to Soroban-based TVL growth to roughly $450M (+800% YoY). MoneyGram expanded its partnership to include 15 new corridors for cross-border remittances, while Franklin Templeton's BENJI tokenized fund expanded its presence on the network, reinforcing Stellar's niche in payments and real-world-asset settlement. Risks include continued reliance on a small number of flagship partnerships and competition from other RWA/payments-focused chains.

Disclaimer: This analysis is for informational purposes only and is not investment advice. Crypto investments carry high risk. DYOR — Do Your Own Research.