Trading activity:
Reported 24-hour volume equals 10.37% of market capitalization. The local markets snapshot lists Bitrue, Binance and Upbit among venues with observed trading activity.
YearBull indicators:
YearBull Rank #97. Bull Score 78/100.
YB Market Risk Low. This relative market-volatility label is not an investment-safety assessment.
Cycle Early. Observed price change: 24h 0.33% · 7d 5.49% · 30d 25.44%.
Values are descriptive and should be read together rather than as a price forecast.
Read the YearBull methodology.
Snapshot date: 2026-09-29.Data history: 90 days available in the latest 90-day window.
Methodology responsibility:
YearBull’s analytical methodology and presentation rules are developed and maintained by
Alan Zelvin, Founder & Lead Crypto Researcher.
This note identifies responsibility for the methodology; it does not attribute authorship of this data snapshot.
What is Stellar (XLM)?
YearBull Project Summary: Stellar is a distributed ledger focused on payments, asset issuance, exchange, and smart-contract applications. Its native asset, the lumen or XLM, is used for transaction fees, minimum account balances, and smart-contract rent. Assets issued by other organizations require an issuer and trustline; native XLM does not.
Source description
“The Stellar network is an open source, distributed, and community owned network used to facilitate cross-asset transfers of value. Stellar aims to help facilitate cross-asset transfer of value at a fraction of a penny while aiming to be an open financial system that gives people of all income levels access to low-cost financial services. Stellar can handle exchanges between fiat-based currencies and between cryptocurrencies. Stellar.org, the organization that supports Stellar, is centralized like XRP and meant to handle cross platform transactions and micro transactions like XRP. However, unlike Ripple, Stellar.org is non-profit and their platform itself is open source and decentralized. Stellar was founded by Jed McCaleb in 2014. Jed McCaleb is also the founder of Mt. Gox and co-founder of Ripple, launched the network system Stellar with former lawyer Joyce Kim. Stellar is also a payment technology that aims to connect financial institutions and drastically reduce the cost and time required for cross-border transfers. In fact, both payment networks used the same protocol initially. Distributed Exchange Through the use of its intermediary currency Lumens (XLM), a user can send any currency that they own to anyone else in a different currency. For instance, if Joe wanted to send USD to Mary using her EUR, an offer is submitted to the distributed exchange selling USD for EUR. This submitted offer forms is known as an order book. The network will use the order book to find the best exchange rate for the transaction in-order to minimize the fee paid by a user. This multi-currency transaction is possible because of "Anchors". Anchors are trusted entities that hold people’s deposits and can issue credit.”
This source-supplied description may contain old, promotional, or unverified claims and is not YearBull editorial analysis.
Recorded network: native asset or no separate token platform identified
Official links and contract records appear in Key Facts. Project details can change, so verify current information with the project.
Stellar (XLM) FAQ
How does Stellar’s distributed exchange support transfers between different currencies?
Stellar’s distributed exchange uses order books to match offers between assets. For example, a user sending USD to someone receiving EUR could have an offer matched for the USD-to-EUR conversion. The project states that XLM can act as an intermediary asset when a direct market is unavailable, helping facilitate cross-currency transfers while seeking a low-cost exchange rate.
What role do anchors play in Stellar’s cross-asset payment model?
Anchors are described as trusted entities that hold deposits and issue corresponding credit on the Stellar network. They serve as bridges between traditional currencies or other assets and the network. In this model, an anchor can help represent a deposited currency digitally, allowing users to transact across different assets rather than requiring both parties to hold the same currency.
Why is XLM used in Stellar transactions?
XLM is the native asset of the Stellar network. The project presents it as an intermediary for some multi-currency transactions, helping one asset move into another through the distributed exchange. XLM is also used for transaction fees, with the stated fee set at 0.00001 XLM. The project says this small charge helps discourage spam and denial-of-service activity.
What happened to Stellar’s original inflation mechanism?
Stellar previously included an inflation mechanism that allowed account holders to direct newly issued lumens toward projects on the network. The project states that participation did not work as intended, because many accounts did not select destinations or joined pools for their own benefit. After a validator vote and network upgrade, the mechanism was disabled, and the inflation operation became deprecated.
How does Stellar position its network for cross-border payments?
The project positions Stellar as an open-source, community-owned network for transferring value across currencies and borders. It says the system is intended to connect financial institutions and reduce the cost and time associated with cross-border payments. Its model combines anchors, order-book matching, and XLM-based settlement features to support transfers between fiat-linked assets and cryptocurrencies.
Stellar metric comparison
This comparison is a stored snapshot generated 2026-09-27 06:30 UTC from 271 daily observations available from 2025-12-19 through 2026-09-27. It is separate from the latest analytical cards above. Percentiles compare the snapshot value with that day's analytical universe; a higher percentile means a larger observed value, not necessarily a better investment characteristic.
Metric
Snapshot
30d before
90d before
Change vs 30d
Universe percentile
Price
$0.2133
$0.1874
$0.1727
+13.8%
n/a
Market cap
$7.46B
$6.50B
$5.86B
+14.7%
P99.8
YearBull Rank
#645
#1,724
#2,505
Improved 1,079
P92.9
Bull Score
67/100
42/100
48/100
+25.0 pts
P83.7
Turnover
2.03%
2.31%
2.02%
-0.3 pts
P66.4
YB Market Risk
Low
Low
Low
Unchanged
n/a
Cycle
Early
Early
Early
Unchanged
n/a
Median absolute daily movement 2.03%; distance from the highest local daily price -18.1%; circulating supply change +8.0%. These measurements are descriptive and do not predict future direction.
Editorial research. Identity, project facts, sources, and risks below belong to the dated editorial review. The live analytical snapshot above may be newer and is generated separately from stored market data.
Stellar is a distributed ledger focused on payments, asset issuance, exchange, and smart-contract applications. Its native asset, the lumen or XLM, is used for transaction fees, minimum account balances, and smart-contract rent. Assets issued by other organizations require an issuer and trustline; native XLM does not.
Consensus and Execution
Validators use the Stellar Consensus Protocol, a federated Byzantine agreement design. Each node chooses the other nodes it relies on when forming quorum slices. This differs from proof-of-work and stake-weighted block production: safety depends on the structure and overlap of trust choices across the validator network.
Classic Stellar transactions can combine multiple operations. Smart contracts run in the Soroban environment and use resource-based metering for computation, storage, and bandwidth. Contract transactions therefore have a different cost profile from simple payments or asset operations.
Role and Supply of XLM
XLM pays network fees and supports minimum-balance requirements. According to Stellar documentation, the supply was created at network launch rather than through mining. Transaction fees are placed in a locked account rather than paid to validators.
Key Risks
Federated consensus depends on sound quorum configuration and sufficient validator diversity.
Issued assets carry issuer, reserve, redemption, and regulatory risk separate from Stellar itself.
Smart contracts introduce code and integration risk.
XLM’s market price can move independently of payment activity or network adoption.
YearBull Perspective
YearBull metrics describe XLM’s relative market structure. They do not rate individual anchors, issued assets, validators, or Soroban contracts.
Reading rule: lower numbers mean higher placement.
7d window (2026-09-22): #806 → #97 (up by 709).
30d window (2026-08-30): #2467 → #97 (up by 2370).
YearBull Rank is a comparative ordering used on YearBull to place a coin versus others using a consistent set of inputs. Lower values mean higher placement in the YearBull ordering. It is meant for comparison and tracking, not certainty.
Liquidity posture: deep markets usually produce smoother rank paths. If the curve improves but won’t hold, treat it as flow-driven.
Cycle note: phase changes usually leave a footprint in consistency. If both are flat, the coin may be tracking its peer basket.
Risk framing: a calm line with small steps can be healthier than spikes. If the last week is quiet, the current rank is usually easier to trust.
Exchange footprint: fragmentation can make rank more reactive. If rank improves slowly, it often reflects broader access or steadier participation.
Practical note: use 30d for context and 7d for current pressure.
Editorial note:
This analysis was prepared by the YearBull research team under the direction of
Alan Zelvin,
Founder and Lead Crypto Researcher.
The assessment follows YearBull’s internal research methodology and editorial standards.
Methodology ·
Editorial Policy
Related Research
Continue with contextually connected profiles and category data:
Stored venue snapshot. Markets last checked: 2026-09-25. Next refresh window: around 2026-10-02. Venue listings and volumes are stored snapshots, not live quotes.
