Stellar’s XLM trades at about $0.145–$0.148, giving it a market capitalisation of roughly $5.2 billion—around one-thirteenth of XRP’s. Grok has outlined a highly optimistic scenario, not a base-case forecast, in which major banks, payment companies and some central banks adopt Stellar as a primary blockchain for cross-border settlement, tokenised deposits and multi-currency clearing. If they also commit substantial institutional activity to the network and use XLM for liquidity and transaction fees, the market could reassess the token’s value relative to XRP.
That scenario is not an announced partnership or institutional commitment. Grok’s extreme target puts XLM at $2.40–$3.10 by January 1, 2027, which would put Stellar’s market capitalisation above XRP’s. Reaching that level would require a steep price increase, sustained capital inflows and significant commercial deployments—conditions that remain unconfirmed.
XLM remains weak as traders watch $0.17–$0.18
XLM’s broader trend is still weak. The token has recently tested support around $0.140–$0.145 after failing to hold higher levels. Its daily relative strength index (RSI) is in oversold territory, which could leave room for a rebound if buyers return. But an oversold reading alone does not confirm a trend reversal.
A sustained move above resistance at $0.17–$0.18, followed by a weekly close above that range, would offer an initial sign of improving price action. Strong trading volume and evidence of real adoption alongside a breakout could amplify the move. Even so, lifting Stellar from its current market capitalisation of about $5.2 billion to above XRP would require substantial price gains and capital inflows; a technical rebound alone would not establish that outcome.
Protocol upgrades and institutional projects show progress
Stellar has made several infrastructure and application advances. Protocol 30, known as “Bell,” is live on the testnet, with a mainnet validator vote scheduled for November 23. The upgrade covers smart accounts for businesses and ledger improvements, and lays groundwork for quantum-resistant signatures. Whether these features reach mainnet as planned depends on the validator vote and subsequent deployment.
In real-world assets, Stellar is among the active networks for tokenised U.S. Treasuries and hosts a Nasdaq-100 index fund product launched by Janus Henderson and Centrifuge. Decentralised exchange Curve Finance has launched its first non-EVM deployment on Stellar, while MetaMask has added the network as a default option. A U.S. bank stablecoin pilot, along with partnerships involving Securitize and MoneyGram, add to the network’s payments and real-world asset activity.
These developments point to progress in network use and institutional initiatives, but do not guarantee that demand for XLM or its price will rise in tandem. The proposed scenario hinges on whether major institutions adopt Stellar in practice, whether that adoption generates sustained transaction volumes, and whether XLM clears key resistance. For now, the wide market-cap gap, weak price structure and unfulfilled assumptions behind the scenario remain central considerations.