Category: Article

Stellar XLM emerges as a key player in real asset tokenization through institutional partnerships disrupting traditional finance. With Protocol 23’s promise of 5000 transactions per second, investors speculate if XLM will breach the elusive $1 mark. Amidst bearish technical analysis and promising fundamentals, 2025 could prove pivotal for this often underestimated altcoin.
Written by Simon Dumoulin
Translated on November 29, 2025 at 10:22 by Simon Dumoulin
The Protocol 23 upgrade represents the major technical catalyst for 2025. This evolution introduces parallel execution of Soroban smart contracts, with an ambitious target of 5,000 TPS. To put this in context, Ethereum currently processes between 15 and 30 TPS on its main layer. This scalability would multiply the network’s current capabilities by more than 150 times.
The expected impact goes beyond raw performance. Transaction fees are expected to drop, making Stellar competitive against Ethereum Layer 2s. This speed-cost combination could attract DeFi developers and institutional tokenization projects. JP Morgan notably highlights the persistent lack of truly efficient cross-border payment solutions at a global scale.
Now, cross-border payments have historically been Stellar‘s specialty. With anticipated growth in this sector through 2027, the technical timing appears optimal. The question now is whether execution will live up to the whitepaper’s promises.
I keep seeing this take: “Stellar is 2017 tech.”

Let me show you what actually happened while people weren’t paying attention:

Protocol 23: Multi-threaded execution (shipped Sept 2025)
Protocol 25 X-Ray: ZK infrastructure (launching Jan 2026)
Soroban: 1M daily smart contract… pic.twitter.com/kup8Xa3Rse
Technical forecasts position XLM’s maximum price at €1.29 by the end of 2025, with a potential floor at €0.65 and an average around €0.97. These projections are based on assumptions of a marked altseason and rising institutional adoption. In the absence of a global bullish momentum, the bearish scenario would bring the token back toward its current support levels.
For 2026-2027, models anticipate progression toward €1.76 then €2.58, crossing several psychological thresholds. This trajectory would imply average annual growth of 35% to 45%, consistent with the expansion of the RWA market. The years 2028-2030 project more ambitious peaks, culminating at €6.19 by the end of the decade.
These figures contrast with other sources: Changelly anticipates €1.07 in 2030, Binance predicts €0.53, and CoinCodex suggests €0.68. These divergences reflect crypto market uncertainty and the difficulty of modeling institutional adoption. It’s worth noting that Stellar reached its ATH at €0.94 in January 2018. Reaching €1 in 2025 would therefore represent a new record, requiring a market cap multiplied by 4, given the circulating supply of 32.3 billion tokens and a current market cap of approximately €8.1 billion.
The comparison with Ripple (XRP) is inevitable. Both projects share a common origin through Jed McCaleb, co-founder of Ripple before launching Stellar in 2014. However, their philosophies have diverged: Ripple focuses on adoption by financial institutions and central banks, with a more centralized structure, while Stellar prioritizes financial inclusion, decentralized access, and emerging markets.
This difference is also reflected in their performance. Ripple benefits from superior liquidity and a strong institutional presence despite its disputes with the SEC. Stellar offers reduced fees and more open governance, but struggles to generate the same level of adoption. For peer-to-peer payments, Stellar has advantages; for enterprise solutions and liquidity, Ripple remains dominant.
Investors should remember that these two assets are not interchangeable. Their use cases partially overlap, but their market dynamics are distinct. XLM will not necessarily follow XRP’s movements, even though a macro correlation exists at the overall crypto market level.
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Passionate about cryptocurrencies since 2019, I cover the latest news through clear and accessible articles. My goal is to make crypto understandable for everyone, with reliable and well-researched content.

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The launch of the Dogecoin ETP has really shaken things up in the cryptocurrency world, hasn’t it? It’s like a new chapter in how institutional investors view meme coins. With all the skepticism and volatility floating around, this moment is pretty significant. It makes you wonder about what lies ahead for digital assets. In this post, I’m diving into the implications of the Dogecoin ETP launch, the reserved attitude of institutional investors, and how AI-driven trading platforms are set to change our investment tactics in the meme coin arena.
Back on November 24, 2025, Grayscale’s Dogecoin ETP (GDOG) hit the market on NYSE Arca. A big deal for meme coin adoption, for sure. Now, institutional investors have a regulated way to invest in Dogecoin without getting tangled up in wallets or private keys. It’s made access easier, which could shift the game for crypto payments and investment strategies.
But that initial trading volume? About $1.4 million. That’s a far cry from the expected $11 million. It shows a cautious approach from institutional investors. Even with this regulated access, there’s still a hefty dose of skepticism towards meme-driven assets. The low trading volume suggests that while the ETP might cushion the fall, institutional flows are still treading lightly for the time being.
This muted trading volume is telling. It suggests institutional investors are taking a step back when it comes to meme coins. Analysts have pointed out that as ETFs shift from Bitcoin to smaller altcoins, the appetite from institutional investors tends to wane. This skepticism has only grown stronger with the recent downturns in the crypto world, leading traders to adopt a “wait-and-see” mindset.
And let’s face it, there’s a growing unease about the fundamentals of meme coins like Dogecoin. This raises big questions about their long-term viability as investments. The cautious sentiment surrounding the Dogecoin ETP launch hints that while there’s potential for growth, the path could be rocky and uncertain.
On the flip side, as the crypto market changes, AI-driven platforms like DeepSnitch AI are coming into play. They’re using advanced algorithms to offer real-time insights into market trends, sentiment changes, and on-chain activity. With AI, traders can make smarter moves in this complex crypto world.
DeepSnitch AI is currently in presale and seems to be a solid option for retail users looking for actionable intelligence in this fast-paced market. With autonomous agents tracking market dynamics, DeepSnitch AI gives traders a leg up. It’s an interesting tool for anyone looking to navigate the evolving meme coin landscape.
And let’s not ignore how crypto payments are shaking up payroll strategies. Companies are increasingly looking into crypto payments, and stablecoin salaries are gaining traction. This is especially relevant for attracting talent in tech and finance, where crypto-savvy professionals are in high demand.
But integrating crypto payments into payroll isn’t all sunshine and rainbows. There’s volatility to manage and regulatory compliance to consider. Still, the advantages—like flexibility and access to a broader talent pool—make crypto salaries an enticing option for forward-thinking companies.
The Dogecoin ETP launch has changed the game for meme coins, presenting new opportunities and risks for institutional investors. As skepticism remains, AI-driven trading platforms like DeepSnitch AI will be essential for traders trying to navigate this market.
Looking ahead, the meme coin landscape will likely be a mix of cautious optimism and innovative strategies. As institutional investors evaluate meme coins, the integration of AI and crypto payments will play a crucial role in shaping the future. It’s going to be a challenging path, but for those willing to pivot, the rewards might be worth it.

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