If you’ve got around 7,488 Stellar (XLM) sitting in your account, you might be thinking about how much that stack might be worth a few years from now. Is Stellar destined to become a noteworthy global payment network to compete alongside XRP, or continue to be a niche payment solution?
Let’s take a look at what’s happening with Stellar, what’s driving the growth, and what those numbers might mean for your investment in 2026.
Stellar was founded in 2014 by Jed McCaleb, one of the co-founders of Ripple, and, like XRP, Ripple did the intensive targeting of banks and financial institutions, whereas Stellar took a different route altogether.
Its main mission is to bring fast, cheap cross-border payments to everyone, especially to underbanked communities where people survive on remittances to their relatives.
The global remittance market handles more than $600 billion yearly, and legacy services are slow and expensive. Stellar wants to change that by offering near-instant transactions with fees so small they’re almost invisible.
It has already shown what’s possible through real-world projects. One example is the IBM World Wire pilot for cross-border settlements. Another is a UNHCR program in Ukraine that lets refugees receive aid through digital wallets instead of depending on physical cash.
Stellar is also involved in central bank digital currency (CBDC) debates. In 2021, Ukraine’s Ministry of Digital Transformation partnered with the Stellar Development Foundation to work on a framework for a potential national digital currency.
If only one major country launches a CBDC on Stellar’s rails, the demand for XLM would jump overnight.
What you'll learn 👉
Stellar Price Scenarios for 2026
Right now XLM trades near $0.40 with a market cap of about $12.9 billion. If the market continues to grow and Stellar gains more adoption, the numbers can move fast.
At $1 per XLM, your 7,488 coins would be worth around $7,500, a level Stellar has touched in past cycles.
At $2, that same stack could reach roughly $15,000, giving Stellar a much bigger presence in the market.
If adoption really accelerates, a price of $5 could turn those holdings into about $37,000, and $10 would push their value close to $75,000.
Even when XLM price falls to $0.20 during a selloff market, your coins would still be valued at near $1,500. These are both the upside and the downside, but also show the amount of room there is if Stellar’s vision keeps heading skyward.
Read Also: Worldcoin (WLD) Faces Its Toughest Challenge Yet Amid Privacy Fears and Regulatory Heat
Key Drivers and Risks
The success of Stellar will depend on how quickly partnerships and real-world uses are formed. Accomplished partnerships and real-world use cases.
The project’s focus on affordable and fast payments already connects with people in developing countries and with organizations that need secure digital transfers.
The Stellar Development Foundation is another plus, supporting developers and funding projects that build on the network to keep adoption growing.
But there are challenges. Stellar still faces competition for cross border payments from Ripple. Stellar has a smaller ecosystem than other chains. This lack of ecosystem makes NFTs more and more difficult. Crypto market is on XLM currency XLM followed ble market cycles.
The Bottom Line
The Drop is steep during market bearishings. Based on this schedule. By 2026, 7688 XLM will depend on adopting a solution. Government alliances and competition with other networks will also pay attention.
If Stellar captures even a meaningful part of the global remittance market and plays a key role in digital currencies, your holdings could land anywhere from around $7,500 to $37,000, with more upside possible if global adoption really takes off.
Stellar isn’t just another speculative coin. It’s built to make money transfers faster and cheaper for millions of people worldwide. If it keeps moving in that direction, the next couple of years could be very rewarding for long-term holders.
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