What is XLM? Analysis of the investment value of XLM Stellar in the second half of 2025 | Is XLM upgraded version of XRP worth investing? | Understand XLM in one go

This video analyzes the investment value of Stellar (XLM) in the second half of 2025, involving its technological upgrades, ecological expansion, compliance, market outlook, risks and allocation suggestions, with promising prospects. The video analyzes the investment value of Stellar (XLM) in the second half of 2025: In recent crypto market fluctuations, XLM performed well, with a cumulative price increase of 104% since early July, and the technical side has shown a "golden cross" pattern. The 50-day moving average is about to cross the 200-day moving average, the first time since December 2024. After the last time this signal appeared, XLM rose to a high of US$0.634. Technology upgrades are one of its core competitiveness. Stellar achieves 4-second transaction confirmation with the Stellar Consensus Protocol (SCP), with a single transaction cost of US$0.0000028, a 99% reduction from the SWIFT system, and has a significant advantage in emerging market remittances. The 2025 technology roadmap includes the Protocol 23 upgrade on August 14, quantum security reinforcement and the launch of AI development tools. These upgrades have improved network efficiency. For example, XBIT's "Zero Friction Cross-chain Protocol" promoted a 280% month-on-month increase in XLM inter-chain liquidity in the first week of its launch. In terms of ecological expansion, Stellar has evolved from cross-border settlement to a multi-dimensional value network. Institutional adoption accelerated, Philippine Banking Alliance accessed, Visa and Western Union raised bets, and the on-chain stablecoins issuance volume reached US$2.3 billion; DeFi and RWA breakthroughs, the total locked value increased by 11 times in four months, and both XBIT and Ondo Finance have new actions; in terms of community cultural integration, the Meme coin project performed outstandingly, and the XBIT staking pool attracted a large number of XLM locks. In terms of regulatory compliance, Stellar has built a systematic framework, which is the first DEX agreement to pass the EU MiCA certification. It cooperates with the Bank for International Settlements to optimize compliance audits and meet GDPR requirements, which has prompted an increase in institutional capital inflows. Institutional transactions account for 18% in Q1 2025, and is expected to exceed 25% in Q2. Market analysis shows that as of July 29, XLM trading was around US$0.35, with positive technical signals, with a key resistance level of US$0.46, with considerable upward space after the breakthrough, and the proportion of high-frequency users on the chain is high. From a valuation perspective, the current market value is about US$10.5 billion, which has huge penetration compared with the size of the cross-border payment market. Morgan Stanley predicts that the increase may exceed 200% this year and gives a target price in different scenarios. Its deflation model and pledge income provide support for long-term holdings. At the same time, investors need to be vigilant about risks such as technical implementation, changes in regulatory policies and intensified competition, and provide asset allocation suggestions for different types of investors. Overall, Stellar restructures its financial pipeline with its low-cost advantages. With the technological upgrade and market explosion, it is expected to become the core beneficiary of the payment track and the wave of compliance. The main network upgrade in August and the progress of Southeast Asia localization is worth paying attention to. [Note⚠️, cryptocurrencies are high-risk investments, and you may lose all your principal. If you don’t understand, it is recommended not to participate. This video does not have any investment advice, it is shared only as information】 #xlm #stellar #What is Stellar Coin #Stellar Coin #xlm Coin #What is Stellar #xrp