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- Stellar surpasses $500M in tokenized real-world assets.
- 456M XLM staked across DeFi, with strong institutional adoption.
- Protocol 24 upgrade and Pi Network integration expand scalability and users.
Since its 2014 launch, Stellar (XLM) has steadily carved a niche in the blockchain space for real-world asset (RWA) tokenization. The network now boasts over $500 million in tokenized assets and exposure to more than $3 billion in real-world financial instruments, predominantly tokenized U.S. Treasuries. Despite XLM trading 66% below its all-time high, analysts see potential for a rebound toward $0.40 if momentum returns.
Expanding Global Utility and DeFi Engagement
Stellar has emerged as a practical tool for cross-border finance. Wallets and platforms built on Stellar enable instant fiat-stablecoin swaps, near-zero fee transfers, and even cashouts through WhatsApp in countries from Mexico to Nigeria. The network now sees 456 million XLM staked across DeFi protocols, reflecting growing adoption. Derivatives data show a mixed market sentiment: trading volume dipped 14%, yet open interest climbed 2.5%, hinting at leveraged positions accumulating on the network.
Dominance in Tokenized U.S. Treasuries and Diversification
Tokenized U.S. Treasuries dominate Stellar’s RWA portfolio, accounting for nearly 95% of total holdings. The BENJI token from Franklin Templeton is the largest single asset, valued at approximately $496 million. Public equities and non-U.S. debt make up smaller fractions, yet the network is attracting high-profile issuances. Notably, Mercado Bitcoin plans a $200 million RWA launch on Stellar by the end of 2025. Platforms like WisdomTree and Archax are expanding tokenized funds, while cross-chain integrations via LayerZero and Redstone enhance interoperability.
💰 Stellar $XLM Emerges as a Key Player in the $3B RWA Market
— Scopuly – Stellar Wallet (@scopuly) October 23, 2025
The talk around Real-World Assets (RWAs) in crypto is heating up — and Stellar $XLM is leading the charge 🚀
According to Scopuly & Messari:
💵 $533M+ in tokenized assets live on Stellar
🏦 $3B+ in real-world… pic.twitter.com/OJPHYcRavi
Recent Upgrades and Institutional Partnerships
Stellar’s Protocol 23 “Whisk” upgrade improved transaction throughput, asset tracking, and scalability. Protocol 24, approved in October, fixed state archival stability, marking one of the fastest upgrade cycles in Stellar’s history. Strategic integrations, such as Pi Network and MoneyGram in Colombia, bring millions of new users and enable instant USDC-backed transfers, reinforcing Stellar’s role in bridging traditional finance with blockchain technology.
Stellar’s steady rise in RWA tokenization, global payments, and DeFi staking positions it as a versatile network capable of attracting institutional and retail users alike. With a strong infrastructure, ongoing protocol upgrades, and expanding partnerships, Stellar continues to demonstrate why it is one of the most promising blockchain ecosystems for real-world financial applications.
Disclaimer: The information in this article is for general purposes only and does not constitute financial advice. The author’s views are personal and may not reflect the views of Chain Affairs. Before making any investment decisions, you should always conduct your own research. Chain Affairs is not responsible for any financial losses.
Also Read: Stellar (XLM) Flashes Golden Cross — Analysts Predict 35% Rally Ahead
I’m a crypto enthusiast with a background in finance. I’m fascinated by the potential of crypto to disrupt traditional financial systems. I’m always on the lookout for new and innovative projects in the space. I believe that crypto has the potential to create a more equitable and inclusive financial system.
