Stellar

XLM

Live. Code changed: 3 days ago. Machine-drafted, not yet checked by a person.

Hot: upgrade or launch live, etf or institution Full record

0 of 20promises delivered20 past due, not yet checked #2of 18 payment solutionsthe typical one is worth $225.3M $40.61Kpaid in fees, 30 dayswhat people paid to use it #20of all coins by sizeworth $6.68B today

Stellar says it is a public blockchain that lets anyone build payment experiences that feel more like using cash than typical cryptocurrency. Of the 20 things it promised, it delivered 0, 20 are past due and not yet checked; nothing dated is coming up. It trades at $0.1915, #20 of all coins by size, 78% below its highest ever price.

This week in the news: ETF or institution, named partnership, new software release, upgrade or launch live.

A real job, real backing. Delivered 0 of 20, 20 past due, not yet checked. Nothing dated ahead. #2 of 18 payment solutions. Nothing to be careful of on the record.

Is it real?

3 of 4tests passeda real job, real backing, something ahead, room to grow

1named backersGMCI 30 Index

11 yearson the marketsince 4 March 2015

404.56Kpeople watch iton CoinGecko lists

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3 of 4

✓A real-world jobReal-world purpose: payments
✓Real backingBacking: in the GMCI 30 Index; trades on Coinbase, Crypto.com, Kraken; worth $6.68B
–Something aheadA dated step, deliveries on record, or demand showing up in the news.
✓Room to growRoom: worth $6.68B, 13 times smaller than XRP, the biggest coin within reach doing the same thing (Payment Solutions)

In the GMCI 30 Index

Origin4 March 2015about about 11 yearsTagged Made in USA on CoinGeckostellar.org, GitHub, Whitepaper
DevelopersJed McCaleb and Joyce KimIts listing names themCode last changed 3 days ago
BackingIn the GMCI 30 IndexListed on Coinbase, Crypto.com, Kraken, Bitstamp
Standing on the record0 of 200 confirmed by outside news, 20 past due, not yet checked87 headlines last month, 11 about government404,564 people keep it on a CoinGecko watchlistNo corrections needed so far

The gap, and what to do

It is already worth more than the typical coin in Payment Solutions ($225.3M). To match the leader, XRP ($87.28B), its price would need to rise 1207%, to about $2.50.

Still to check

20 dated promises, none delivered yet
No named investor among its tags

What to do Nothing dated is ahead and nothing has been delivered on record. There is no event to wait for yet, which is itself the answer.

A gap is not a forecast. Most small coins never close it. The site never picks.

Four tests, printed. Passing all four means a real job, real backing, something ahead, and a price far below the leader of its group. A filter on facts, never a verdict.

Every line has a source: the coin's own listing, CoinGecko's tags, the record, or the news feed. Reputation here is a count, never an opinion.

Does it deliver?

0 of 20promises deliveredby the project's own pages

0confirmed outsideby a news report or a tagged release

20past their datenot yet checked by a person

0still open

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Every line is quoted from the project's own pages, with the copy we stored and, where one exists, the article that reported it

0 of 20

promises delivered, by the project's own pages

0 of those confirmed by an outside news report

Promises by the year they were due

202520

delivered open past due

delivered open past due, not yet checked today. Click a point to open that promise.

Promises, one by one

Past dueQ1 2025Stellar committed to shipping Lab 3.0, letting developers call smart contracts and view contract storage, specs, and verified source code.533 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“Lab 3.0 lets developers invoke smart contracts as well as view contract storage, specifications, and source code for verified contracts, enabling faster development and innovation.”
source · snapshot · captured 2026-09-12
Past dueQ1 2025Stellar committed to a hosted mode for the Stellar Disbursement Platform so enterprises can onboard, get digital assets, and send payments without building their own integration.533 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“The Stellar Disbursement Platform's new hosted mode allows enterprises to onboard, acquire digital assets, and start sending payments faster and more easily – without the need for integration.”
source · snapshot · captured 2026-09-12
Past dueQ2 2025Stellar committed to new Stellar CLI features for editing transactions, accessing network data, and managing contracts from the command line.442 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“The new Stellar CLI features will offer powerful enhancements for transaction editing, network data access, and contract management—giving developers greater control, flexibility, and efficiency directly from the command line.”
source · snapshot · captured 2026-09-12
Past dueQ2 2025Stellar committed to CDP 1.0, a tool that lets builders ingest and transform historical network data using Go-based libraries.442 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“CDP 1.0 will provide a customizable, fast, and low-cost way to ingest and transform historical network data. Builders will be able to select the data they need with GO-based ingest and parsing libraries to speed up ingestion and reduce overhead.”
source · snapshot · captured 2026-09-12
Past dueQ3 2025Stellar committed to building a token transfer processor that turns ledger data into simpler subsets for tracking activity onchain.350 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“We're building a token transfer processor to help transform ledger data into useful subsets that simplify onchain tracking.”
source · snapshot · captured 2026-09-12
Past dueQ3 2025Stellar committed to updating its RPC service to combine real-time asset and smart contract transaction data into one standard format without requiring developers to change their existing setup.350 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“The updated RPC will streamline developer access to Stellar network data by integrating real-time Stellar asset and Soroban transaction data into a unified, industry-standard format — no changes to existing implementation required.”
source · snapshot · captured 2026-09-12
Past dueQ3 2025Stellar committed to expanding the Stellar Disbursement Platform to support all major enterprise payment types, including both crypto and fiat.350 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“The Stellar Disbursement Platform will support all major enterprise payment flows and types, including crypto and fiat payments. This will allow enterprises to conduct all of their financial activities onchain, regardless of whether their counterparties use digital assets, enabling greater efficiency, transparency, and reach.”
source · snapshot · captured 2026-09-12
Past dueQ3 2025Stellar committed to upgrading its Stella assistant with more data sources and a user-friendly interface so it works as a standalone tool across multiple platforms.350 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“What began as a Discord bot to help builders navigate documentation is evolving into a more powerful agent tool. It will be enhanced with additional data sources and a user-friendly front-end UI, transforming Stella into a fully headless solution accessible across multiple platforms.”
source · snapshot · captured 2026-09-12
Past dueQ3 2025Stellar committed to launching a Freighter mobile app for iOS and Android with the same features as the browser extension.350 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“The Freighter mobile app for iOS and Android is launching with the same features and functionality as the browser extension, simplifying wallet access and on- and off-ramping for users who need to visit physical locations.”
source · snapshot · captured 2026-09-12
Past dueQ3 2025Stellar committed to adding a new Discover tab in the Freighter wallet browser that lets Stellar apps connect directly to the wallet.350 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“A new "Discover" app browser tab in Freighter will allow Stellar dApps to integrate directly with the wallet, eliminating the need for users to switch between their browser and Freighter.”
source · snapshot · captured 2026-09-12
Past dueQ4 2025Stellar committed to adding advanced authentication to the Freighter wallet, including passkey and social sign-in recovery options.258 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“Advanced authentication will be added to Freighter and leverage Soroban's smart wallet capabilities. This will offer progressive security based on held value and user-friendly key recovery options like passkeys and social sign-ins.”
source · snapshot · captured 2026-09-12
Past dueQ4 2025Stellar committed to Lab 4.0, giving developers detailed transaction simulation, debugging, and resource-profiling tools.258 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“Lab 4.0 will deliver deep insights into transaction-level simulation, debugging, and resource profiling, enabling developers to identify and to resolve issues more efficiently.”
source · snapshot · captured 2026-09-12
Past dueQ4 2025Stellar committed to cutting its ledger close time from 5 seconds to 2.5 seconds.258 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“We're aiming for Stellar-core to support ledger close times of 2.5 seconds (down from 5) through improvements to the overlay network along with pipelining consensus and execution.”
source · snapshot · captured 2026-09-12
Past dueQ4 2025Stellar committed to letting the Stellar Disbursement Platform create single-use wallets on demand for receiving payments.258 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“The Stellar Disbursement Platform will support the on-demand creation of single-use wallets, simplifying the process of receiving digital asset payments for anyone, regardless of blockchain experience. For enterprises, it will further unlock access to non-crypto-native users worldwide.”
source · snapshot · captured 2026-09-12
Past dueQ4 2025Stellar committed to building Contract Copilot, a tool that automates boilerplate code, security linting, and testing for smart contracts.258 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“Contract Copilot will streamline the creation of Stellar smart contracts by automating boilerplate code generation, code linting for security vulnerabilities, and unified testing.”
source · snapshot · captured 2026-09-12
Past dueQ4 2025Stellar committed to providing OpenZeppelin-style standardized contract templates for fungible tokens, NFTs, multi-tokens, security tokens, and real-world assets.258 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“Token Standards will accelerate adoption across the Stellar ecosystem by providing standardized contracts for fungible tokens, non-fungible tokens, multi-tokens, security tokens, real-world assets, and more. They'll simplify the creation, minting, and integration of tokens on Stellar, enabling broader use across applications.”
source · snapshot · captured 2026-09-12
Past dueQ4 2025Stellar committed to increasing its tier-1 validator organizations from 7 to 13 by the end of 2025.258 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“We currently have 7 tier-1 organizations that allow the network to remain operational with 2 failures. To strengthen open governance and resilience, we plan to add 6 more through improvements in overlay and consensus, reaching 13 by the end of 2025.”
source · snapshot · captured 2026-09-12
Past dueQ4 2025Stellar committed to using Merkle Trees so a single payment action can handle 100 times more transactions.258 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“We're automating and compressing payment flows to handle 100x more transactions per click with Merkle Trees, boosting the scalability and operational efficiency of the network.”
source · snapshot · captured 2026-09-12
Past dueQ4 2025Stellar committed to raising its theoretical peak transaction throughput to 5,000 transactions per second.258 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“We're aiming to increase our theoretical peak transaction throughput to 5,000 TPS by leveraging concurrency, aggressive caching, and ahead-of-time compilation of Soroban smart contracts.”
source · snapshot · captured 2026-09-12
Past dueQ4 2025Stellar committed to building a reusable Freighter wallet backend service for tracking balances and processing payments.258 days overdue, not yet checkedProof No article or release reports it shipping. Checked 11 September 2026.
Details
“The Freighter wallet backend will be implemented as a reusable service for tracking balances, processing payments, and supporting wallet functionality, reducing development time and cost of building Stellar wallets.”
source · snapshot · captured 2026-09-12

What is next, and when?

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Nothing dated

The project has not put a date on anything still open. That is a fact worth knowing.

How big is it next to its rivals?

#2of 18 payment solutionsthe typical one is worth $225.3M

$6.68Bworth todayprice × coins out

$225.3Mthe typical rival is worthPayment Solutions

$87.28Bthe leader is worthXRP

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Only coins within a hundred times its worth; a coin a thousand times bigger is another world

Payments

18 coins we checked say they are for payments, worth $1.64T together. #3 of 18 by worth.

Bitcoin$1.54T
XRP$87.28B
Stellar$6.68B
Polygon$1.03B
Quant$921.15M
Dash$680.68M
Bitcoin SV$335.17M
Gnosis$300.72M
10 more, smaller

Payment Solutions: this coin against its direct competitors

CoinWorth, as a barWorthAgainst this coinToday, and the gapSupplyPromises
Stellar$6.68Bthis coin+3.8%no max0 of 20 delivered
XRP$87.28B13.1× bigger, +$80.6B+0.0%, gap −3.863% out2 of 3 delivered
POL (ex-MATIC)$1.03B6.5× smaller, −$5.65B−0.3%, gap −4.1no max0 of 14 delivered
Quant$921.15M7.2× smaller, −$5.76B−1.0%, gap −4.8100% outnone dated
Dash$680.68M9.8× smaller, −$6B−2.1%, gap −5.968% out1 of 9 delivered
Bitcoin SV$335.17M19.9× smaller, −$6.34B−2.7%, gap −6.596% out0 of 1 delivered
Gnosis$300.72M22.2× smaller, −$6.38B−2.4%, gap −6.288% outnone dated
Decred$292.12M22.9× smaller, −$6.39B−0.1%, gap −3.984% outnone dated

Same job, different how

Payment Solutions: this coin next to XRP, the biggest rival within reach. People go to the bigger coin unless the smaller one does something it does not.

Stellar says: Stellar says it is a public blockchain that lets anyone build payment experiences that feel more like using cash than typical cryptocurrency.
XRP says: XRP Ledger is a public blockchain for creating, sending, and trading digital assets, built with a focus on meeting compliance rules.

Two claims, side by side, in their own words. Whether the difference is real is for the record to show over time, and for you to judge.

What it is

Stellar says it is a public blockchain that lets anyone build payment experiences that feel more like using cash than typical cryptocurrency.

Its listing puts it this way: Stellar is an open-source, decentralized network co-founded in 2014 by Jed McCaleb and Joyce Kim to facilitate the fast and low-cost transfer of value across different currencies and assets globally.

Problem it says it solves: payments. 41 coins we have checked say the same; together they are worth $1,745,498,830,279.

Where it trades: Coinbase, Crypto.com, Kraken, Bitstamp, Binance

Each bar is a coin's worth today (price × coins out), longest first. The lit bar is this coin; grey bars are the others doing the same job.

Bars are market cap. Order is size, nothing else. Differences are measured from the coin you are looking at.

What should make me careful?

Nothing printed today

None of the six tests fails. A missed promise counts only on a record a person has checked.

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Why is it this small?

Payment Solutions: this coin next to the group's largest, XRP.

	Stellar	XRP
Years trading	12 years	12 years
Major exchanges	10	10
Named backers	0	3
Headlines, last month	87	459
Promises delivered	0 of 20	2 of 3

What it says is different: Stellar is an open-source, decentralized network co-founded in 2014 by Jed McCaleb and Joyce Kim to facilitate the fast and low-cost transfer of value across different currencies and assets globally.

It is 7.7% the size of XRP. On the facts above it is behind on named backers, headlines, last month, promises delivered. For that gap to close, the record would need deliveries showing up in its record. Nothing here says it will; the site does not predict.

The tests: nothing to hold it for, more missed than delivered, priced ahead of its record, half the supply still to come, rivals ship while it does not, a big release of coins soon.

The homework: the coin itself, the news, the record

The coin itself

$0.1915price of one+3.8% today

78%below its highest ever$1 on 2 January 2018

100%of the supply is out34.84B coins

$40.61Kpaid in fees, 30 dayswhat people paid to use it

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The last 7 days

7 days ago: $0.1898now: $0.1915 (+1.0%)

Where today sits against its highest ever price

$0.1915

Highest ever: $0.8756 on 2 January 2018. Today is 22% of that.

70%

of all XLM that will ever exist is already out in public hands: 34.84B coins.

30% (15.16B coins) is not yet created or held by the project. That is a large share, though not a majority. Those coins can be sold later, which can push the price down.

out held back. Each dot is 1%.

Pays for every use of its network

Every transaction on its network pays a fee in it. That is the built-in reason anyone needs it.

Every transaction on its network pays a fee in it

$0.1915price of one

34.84Bcoins out

$6.68Bworth today, #20 of all coins

That is all a market cap is: today's price times the coins in public hands. It moves every time the price does. It says what buyers are paying, not what the coin is worth.

Basics

34.84Bin circulation of 50B total. No hard maximum is set, so more can be created.
1.4×fully diluted value versus today's market cap. The gap is coins not yet released.
of its all-time high of $0.8756 on 2 January 2018. That is −78.1% from the top.
#20by market cap, $6,677,472,760.
Not checkedwho holds the most coins, and how much has been burned. Those need on-chain data this site does not read yet.

Supply and value figures from CoinGecko, refreshed hourly. Not part of the record.

Real use, in dollars

$257.96M is locked in apps built on it right now
Users paid $40.61K in fees to use it in the last 30 days, $40.61K of that kept by the network

From DefiLlama, refreshed nightly. Fees are what people paid to use the thing; value locked is what they trust it to hold. Facts, not a score.

What the news says

87headlines, last monththat name this coin

11about governmentregulation, courts, central banks

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Headlines per day, last 30 days

87 headlines named this coin in the last month.

What they were about

Banks34
Stablecoin29
Price15
Upgrade12
Tokenization9
Partnership6
Government6
Lawsuit3

In the news

What people are talking about, last month:

Yellow.com, 1d agoXRP And Stellar Are Trending Together Again, Here's What Traders Spotted
Yellow.com, 1d agoStellar Blockchain Integrates PayPal's PYUSD With 5-Second Settlement PromiseGovernment
Bitget, 1d agoAnalyst sees potential $5 rally for Stellar as US Bank launches stablecoin on XLMUpcoming
Cryptonews.net, 1d agoStellar Records $149.4M Increase in RWA Market Cap to $3.3B
yellow.com, 2d agoStellar Blockchain Integrates PayPal's PYUSD With 5-Second Settlement PromiseGovernment
finance.biggo.com, 2d agoStellar's XLM Gains Traction as U.S. Bank Completes Cross-Border Stablecoin Pilot
Yellow.com, 2d agoXRP And Stellar Are Trending Together Again, Here's What Traders Spotted
Yellow.com, 2d agoWhat Banks See In Stellar That Retail Crypto Still Misses
Yellow.com, 2d agoStellar Blockchain Integrates PayPal's PYUSD With 5-Second Settlement PromiseGovernment
Yellow.com, 3d agoXRP And Stellar Are Trending Together Again, Here's What Traders Spotted
Yellow.com, 3d agoWhat Banks See In Stellar That Retail Crypto Still Misses
CryptoSlate, 3d agoUS Bank moves USBDC across borders on Stellar, but only inside its own walls
Yellow.com, 3d agoMarshall Islands Launches First Blockchain Universal Basic Income On StellarUpcoming
FF News, 3d agoU.S. Bank Debuts USBDC Stablecoin for Instant Cross-Border Payments via Stellar
ambcrypto.com, 3d agoMoneyGram and DTCC choose Stellar – Why is XLM still falling?
CoinMarketCap, 3d agoStellar (XLM) Surges 3.34% on Institutional Adoption News
CryptoRank, 4d agoMoneyGram Taps Stellar for New USDC Visa Card in Colombia
genfinity.io, 4d agoU.S. Bank Moves USBDC Stablecoin Live on Stellar in Cross-Border Pilot
TechBullion, 4d agoBest Crypto to Buy in September 2026: Stellar, Chainlink and Pepeto Race for the Lead
American Banker, 4d agoUS Bank partners with Stellar to test stablecoin
newscord.org, 4d agoMoneyGram Launches Stellar-Powered USDC Visa Stablecoin Card in Colombia: how 13 outlets framed itUpcoming
TechBullion, 4d agoCrypto Market News: 5th Largest U.S. Bank Moves Dollars on Stellar, and Its Hidden Tie to Pepeto
TradingView, 4d agoStellar (XLM) to Power New MoneyGram Stablecoin Visa Card in This Latin American Country
DailyCoin, 4d agoBank-Issued Cash Hits Stellar. New XLM ATH Coming Up?
CoinMarketCap, 4d agoStellar (XLM) Drops 3.53% Amid Broad Crypto Risk-Off
DailyCoin, 4d agoU.S. Bank Launches USBDC Stablecoin in Cross-Border Stellar PilotUpcoming
CCN.com, 4d agoUS Bank Tests Near-Instant Global Payments on Stellar, Challenging XRP and SWIFT
Yahoo Finance, 4d agoUS Bank Tests Near-Instant Global Payments on Stellar, Challenging XRP and SWIFT
Bitcoin Foundation, 5d agoU.S. Bank Moves Real Money With USBDC Stablecoin in Live Stellar Cross-Border Pilot
FinanceFeeds, 5d agoU.S. Bank Executes First Live Cross-Border Payment Using Its USBDC Stablecoin on Stellar
Crypto News, 5d agoU.S. Bank pilots USBDC stablecoin on Stellar
FXStreet, 5d agoXRP and XLM outlook: Ripple and Stellar heads toward a make-or-break zone
MEXC, 5d agoWhat Is USBDC? U.S. Bank Tests Its Own Stablecoin on Stellar
KuCoin, 5d agoU.S. Bank Completes Live USBDC Payment Pilot Using Stellar Blockchain
CryptoRank, 5d agoStablecoin News: U.S. Bank Completes Live USBDC Payment Pilot
NewsCord, 5d agoU.S. Bank Completes Cross-Border Payment Using USBDC Stablecoin on Stellar Network: how 14 outlets framed it
U.Today, 5d agoXRP, Stellar (XLM), Dogecoin (DOGE) and Near Protocol (NEAR) Price Analysis for September 10: Will Market Reclaim Momentum?Upcoming
blockchain.news, 5d agoU.S. Bank Pilots USBDC Stablecoin on Stellar (XLM) for Cross-Border Payments
TradingView, 5d agoStellar: U.S. Bank's USBDC Stablecoin Runs Live Pilot on the Network - 09 Sep 2026
CryptoRank, 5d agoU.S. Bank Completes Live USBDC Stablecoin Pilot on Stellar

87 headlines in the last month.

Headlines are the publishers' own. News is never placed next to price.

The record itself

Promises20from its own pages

Page copies378 pages watched

Confirmed0by outside news

Checkedmachinedraft until checked

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Six facts, the project's own replies, its peers, contract facts, references and every stored copy

What it says it is

Stellar says it is a public blockchain that lets anyone build payment experiences that feel more like using cash than typical cryptocurrency.

“Stellar is a decentralized, public blockchain that gives anyone the tools to create experiences that are more like cash than crypto.”

source · snapshot · captured 2026-09-12

Stage and age

Live. The record does not yet cite when this stage began.

Promises

0 of 20 promises delivered. 20 past due with no delivery recorded, not yet checked by a person.

Others in payments networks: Nockchain 20 of 30, Beldex 10 of 48, eCash 8 of 10, ADI 7 of 15, and 18 more.
Others in asset tokenization: Zano 51 of 69, Chiliz 3 of 15, Algorand 2 of 7, XRP 2 of 3, and 14 more.

Last activity

Last code change on the main repository (stellar/stellar-core): 3 days ago, on 12 September 2026.
The project's announcements page last changed on 14 September 2026.

Open flags

Nothing further to flag from the record as it stands.

Checked?

This record was drafted by a machine from captured pages and has not yet been checked by a person. Treat every line as unverified until that note changes.