Stellar (XLM)

Stellar Adoption Surges! DTCC Tokenization, MoneyGram's Stablecoin & Bermuda Onchain! WATCH ▶️ https://t.co/MzgKr7WQre Denelle Dixon, CEO and Executive Director of the Stellar Development Foundation, joined me to discuss how institutions such as the DTCC and governments, including Bermuda, are adopting the Stellar blockchain. Topics: - DTCC picked Stellar as the first public blockchain to connect to its upcoming tokenized securities settlement platform - MoneyGram launches MGUSD, a U.S. dollar-backed stablecoin on Stellar - Bermuda Taps Stellar Network to Build the World’s First Fully Onchain National Economy - Crypto's impact on Web Monetization #stellar #xlm #stellarlumens

Alright, class, future-proofing time! 🦞🔐 Quantum computers could one day crack the cryptography protecting every single wallet on any blockchain. And most networks choose to ignore it. @StellarOrg just published a clear, dated, three-stage plan to stay ahead. Notebooks open! 📖👇 1️⃣ What's Actually Happening? Two things are landing at once, and they're easy to confuse. First, Protocol 27, codenamed Zipper, goes to a mainnet validator vote on July 8, 2026. The stable release shipped June 5, testnet upgraded June 18. Second, the Quantum Preparedness Plan, a separate multi-stage roadmap to protect Stellar against future quantum attacks. One is a protocol upgrade voting next month. The other is a long-term security mission. Today we cover both. Matt 🦞🤤: So Protocol 27 and the quantum plan aren't the same thing? Correct. Zipper ships now. The quantum plan rolls out in stages through 2027 and beyond. Related goals, different timelines. 2️⃣ Protocol 27 (Zipper): Delegated Authentication The headline feature of Zipper is authentication delegation, introduced through CAP-71. In plain terms, it lets a smart account hand off transaction approval to another address in a clean, efficient way. This capability technically existed before, but it was a fragile workaround. Every delegated signer needed its own authorization entry, which raised costs and bloated transactions. Zipper turns delegation into a proper, first-class feature. Jake 🦞🤓: Who actually benefits from this? Developers building smart wallets, multisig, and account abstraction. Delegation goes from a painful hack to a supported, efficient pattern. Ozzy 🦞😈: And users feel it how? Cheaper transactions, plus flexible designs like social recovery and delegated signing keys become practical to build. 3️⃣ Why Quantum Is a Real Threat Here's the part that sounds like science fiction but isn't. Stellar addresses, the ones starting with G, directly encode an Ed25519 public key. That's the standard signature scheme securing the network today. A powerful enough quantum computer running Shor's algorithm could derive the private key from that public key. Every address becomes a target, including dormant ones that never signed a single transaction. Matt 🦞🤤: Wait, so even a wallet that's just sitting there could be at risk someday? That's exactly the concern. The key is exposed in the address itself, so doing nothing isn't protection. Jake 🦞🤓: Is this an immediate danger? Not today. But migrating a whole network takes years, so the responsible move is starting well before the threat arrives. 4️⃣ The Quantum Preparedness Plan The SDF laid out a clear three-stage migration off Ed25519 and onto NIST-standard post-quantum signatures. • Stage 1 (2026): Add post-quantum signature verification to Soroban as native host functions, supporting ML-DSA-44 and ML-DSA-65. • Stage 2 (2027): A protocol upgrade introduces quantum-safe signers as first-class signers. Every existing account can add one alongside its current key, with no address change and no balance migration. • Stage 3 (timing TBD): Eventually, Ed25519 stops being accepted for new transactions. The exact date depends on quantum progress and community input. Ozzy 🦞😈: So I keep my same address and just add a quantum-safe signer to it? Same address, same history, same balance. You add the new signer through set_options when the time comes. Jake 🦞🤓: And this is one of the first dated plans of its kind? It's the first explicit, dated, multi-stage quantum plan from a top-tier chain. Most networks haven't even started. 5️⃣ To Conclude Quick recap, what did we learn? Jake 🦞🤓: Protocol 27 Zipper ships delegated authentication via CAP-71, votes July 8, and makes smart accounts cheaper and more flexible? Every word correct. That's the upgrade landing now. Matt 🦞🤤: And the Quantum Preparedness Plan migrates Stellar to post-quantum signatures in stages, without forcing me to change my address? Same address, future-proof security. That's the design. Ozzy 🦞😈: While other chains debate whether quantum is real, Stellar already published the migration plan. Building for threats that haven't arrived yet. That's what mature infrastructure looks like. Class dismissed, dear LOBSTRS! Stay quantum-ready out there! 🦞🩵

🏦 Stellar Remains the Home of Franklin Templeton's BENJI 🌍 Franklin Templeton's BENJI ecosystem continues to grow, reaching nearly $2B across multiple blockchains. But one fact stands out: Stellar $XLM remains the network where the vast majority of holders are. 💙 📊 Around 95% of all BENJI holders are still on Stellar $XLM , even as the fund expands to Ethereum, Base, Arbitrum, Solana, Avalanche, Polygon, Aptos, and other networks. That speaks volumes about Stellar's reliability and its strong foundation for real-world assets. BENJI isn't just another stablecoin - it's a regulated, on-chain U.S. Government Money Market Fund that has been operating on Stellar since 2021, proving that institutional-grade tokenization is already a reality, not just a future vision. 🚀 Combined with Stellar's rapidly growing RWA ecosystem, expanding stablecoin adoption, and upcoming institutional initiatives like DTCC, the network continues to strengthen its position as one of the leading blockchain infrastructures for traditional finance. The headlines may focus on price, but the real story is adoption. And when some of the world's largest financial institutions continue building on Stellar, it reinforces the long-term value proposition of $XLM . 💎 #Stellar #XLM #Crypto #Blockchain #DeFi

This one stopped me. MoneyGram — $1.15B in annual revenue running their entire infrastructure on-chain. Stellar wallets, Stripe issuance, m0 smart contracts, Fireblocks custody, Solana validators. I keep saying real-world stablecoin use cases are coming. Well. Here they are. Traditional finance isn't waiting for crypto to prove itself It's already quietly moving in.

Man does it ever bring me joy to speak to the CEO of a massive financial services company doing $1.15B ARR and hear about them building atop blockchain rails with Bridge/M0, Stellar and Tempo, Fireblocks and more. They are also a validator on Solana now. Extremely impressed and stoked to have the likes of MoneyGram using the technology of tokenization and stablecoins to scale their product offerings. Bullish man.

$XLM has already completed two full market cycles and both followed a surprisingly consistent structure. A long period of quiet accumulation was followed by an explosive rally eventually giving way to months of heavy selling pressure that erased the majority of those gains. Once the correction had fully played out, the market gradually transitioned back into accumulation before launching the next expansion. The current chart is beginning to resemble that same pattern once again. The first major cycle delivered more than 2,500% while the second advanced roughly 730%. Although the percentage returns were different the overall sequence remained remarkably similar. Buyers accumulated during periods of low interest, momentum accelerated rapidly once resistance broke, and optimism peaked just before an extended correction reset the market. Today, that correction appears to be largely behind us. After spending many months trading sideways $XLM is showing signs that seller pressure is gradually weakening. Instead of continuing to print lower lows price has begun stabilizing within a broad accumulation range. This shift is important because strong bullish trends rarely begin from excitement they usually start when volatility is low, sentiment is negative, and the majority of market participants have already moved on. If history continues to rhyme, the current phase could represent the foundation for a third expansion cycle. The key confirmation will come from reclaiming major resistance levels that have capped price throughout the correction. Once those barriers are broken, market structure changes completely. Momentum often builds progressively, attracting fresh liquidity as confidence returns creating the conditions for another sustained trend rather than a short-lived rally. Of course, historical symmetry should never be treated as certainty. Every cycle unfolds under different macro conditions, liquidity environments, and investor behavior. Nevertheless, when an asset repeatedly develops through the same sequence of accumulation, expansion, distribution, and reset, those recurring patterns deserve attention. $XLM may now be approaching another important inflection point. If buyers continue defending the current base and gradually reclaim higher resistance levels the third major expansion could eventually become the strongest trend the market has seen since the previous cycle.