Stellar (XLM)

STELAR, RIPPLE, CANTON NETWORK - Banks and Wealth Managers https://t.co/i5tne2i48P

Stellar x OpenZeppelin v0.6.0: Fee Abstraction, Safer Governance & Better Math 🧵 @OpenZeppelin Contracts for Stellar v0.6.0 just dropped If you build on @StellarOrg smart contracts (Soroban), this is a meaningful upgrade: better UX, safer governance, and cleaner math primitives. Quick context: OpenZeppelin is known for creating battle-tested contract standards & security tooling across crypto. Seeing them ship deeper modules for Stellar Contracts is a strong signal for the dev ecosystem. Timelock (governor sub-module) Timelocks are a governance safety net: they introduce a delay between a decision and execution — giving users time to react, review, or exit if needed. Why that matters: Timelocks help protocols move from fast changes → to predictable, transparent governance. That’s the kind of foundation serious DeFi + RWAs usually require. WAD fixed-point arithmetic WAD math (commonly 1e18 precision) makes it easier to handle decimals safely on-chain — especially for rates, ratios, pricing, and accounting logic. This is underrated: most financial bugs start with small rounding/precision issues. Having standardized, reusable fixed-point math reduces risk and speeds up development. Power function (fixed-point arithmetic) A native power function makes compounding-style calculations easier (think: interest models, emissions curves, bonding curves, time-based math). Translation: fewer custom implementations, fewer edge cases, and more consistency across apps. That’s what dev velocity looks like when it’s done properly. Fee Forwarder (fee abstraction / gas abstraction) This is a UX unlock: enabling a flow where users can pay fees via a fungible token instead of needing the native fee asset at the exact moment. Why this matters: onboarding. Fee abstraction helps make apps feel more like Web2: smoother first transactions, fewer “why can’t I click continue?” moments, better conversion. Access Control improvement: get_existing_roles More visibility into which roles exist = better admin hygiene and clearer permissions design. This helps teams keep governance & admin logic auditable and understandable. 12/ Put together, v0.6.0 is very infrastructure-core: ➡️ safer governance ➡️ standardized financial math ➡️ smoother UX via fee abstraction The building blocks that scale when adoption scales. Small side note on the broader institutional rails trend: Anchorage Digital recently added regulated custody support for HBAR — another sign that compliant custody + institutional access is expanding across ecosystems. Different chains, same direction: better custody, better UX, better primitives. That’s how crypto quietly grows up — one unsexy but essential upgrade at a time. If you’re building on Stellar: this release is worth a look. Expect smoother onboarding patterns + safer governance defaults + cleaner financial logic. ✅

Banks ARE using crypto. Don't believe people who say they aren't. They don't need to "wait" for the clarity act. BUT the clarity act still will do WONDERS for the space in my opinion.

Tap the post to see the best wallet on @StellarOrg! ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎ ︎

.@usbank is testing custom issuance of its own stablecoin on Stellar. Stellar’s stablecoin market cap increased 53% YoY. The market cap of RWAs on Stellar increased 196% to $890.2 million. Get the latest from @MessariCrypto. Lights out and away we go! https://t.co/HwcMQ99Wr2

Financial Ecosystem Update for @stellarorg • RWA market cap ⬆️ 196% YoY to $890M+ • Stablecoin market cap ⬆️ 53% YoY to $243M+ • U.S. Bank testing custom issuance of its own stablecoin on Stellar • DeFi TVL ⬆️ 284% YoY to $172M+ • First onchain universal basic income disbursement by a national government (Marshall Islands) on Stellar

Alright class, X-Ray upgrade time! 🦞🔍 @StellarOrg just launched Protocol 25 on Testnet (Jan 7), Mainnet vote coming Jan 22. This brings privacy to Stellar for the first time. Why "X-Ray"? See what you need to see, hide what you don't. Notebooks open, let's decode privacy! 📖👇 1️⃣ What is Stellar X-Ray? X-Ray = Protocol 25, Stellar's privacy upgrade. It adds two things: • BN254: Special math for privacy proofs • Poseidon: Fast calculations for private transactions Matt 🦞🤤: What does "privacy" even mean on blockchain? Right now, EVERY transaction on #Stellar is public. Anyone can see your balance, who you paid, how much. X-Ray changes that. You can prove things are real WITHOUT showing your data. Jake 🦞🤓: Like what? Prove you have $10,000 without showing your exact balance. Prove you're over 18 without showing your birthday. 2️⃣ Why Privacy Matters Blockchains show EVERYTHING publicly. That's a problem for: • Businesses: Can't expose sensitive financial info • Regular people: Don't want the world seeing their money • Legal requirements: Privacy laws like GDPR Zero-Knowledge Proofs fix this: You prove something is true WITHOUT revealing the details. Example: • Normal: "Here’s my ID showing I’m 21" • Zero-Knowledge: "I can prove I’m over 18, trust me" (and math backs it up) Matt 🦞🤤: So I could send $XLM privately? Eventually, yes. Developers need to build those apps first. 3️⃣ What Changes with X-Ray Before X-Ray: Zero privacy tools on Stellar After X-Ray: Foundation is ready for privacy apps What it enables: • Private transactions (coming later) • Shielded balances (you decide who sees) • Compliance‑friendly privacy (prove you're legit without revealing everything) Costs drop 30% for privacy operations. Jake 🦞🤓: Is this like Zcash or Monero? Not yet. Xray is step one. Privacy features come in 2026‑2027. Ozzy 🦞😈: So we wait another year for actual privacy? You need a foundation before building a house. This is the foundation. 5️⃣ What Happens Next Timeline: • January 7: Testnet upgrade ✅ DONE • January 22: Mainnet vote (validators decide) • 2026: Developers build privacy apps • Later: LOBSTR adds privacy features Nothing breaks. All current Stellar stuff keeps working. Jake 🦞🤓: Do I need to update LOBSTR? Nope. Happens automatically when network upgrades. Matt 🦞🤤: When do I get private transactions? When developers build the apps. X-Ray just unlocked the door. 6️⃣ To Conclude So, class, what did you learned with this class? Jake 🦞🤓: X-Ray = privacy foundation, apps come later? Exactly. Infrastructure first, cool features second. Matt 🦞🤤: And banks can finally use blockchains without exposing everything? That's the goal. Privacy for data, transparency for rules. Ozzy 🦞😈: So Stellar just became way more useful for real money? Bingo. Welcome to privacy that actually works. Class dismissed, dear LOBSTRS! X-Ray activated! 🦞🔍

Alright class, X-Ray upgrade time! 🦞🔍 Stellar just launched Protocol 25 on Testnet (Jan 7), Mainnet vote coming Jan 22. This brings privacy to Stellar for the first time. Why "X-Ray"? See what you need to see, hide what you don't. Notebooks open, let's decode privacy! 📖👇 1️⃣ What is Stellar X-Ray? X-Ray = Protocol 25, Stellar's privacy upgrade. It adds two things: • BN254: Special math for privacy proofs • Poseidon: Fast calculations for private transactions Matt 🦞🤤: What does "privacy" even mean on blockchain? Right now, EVERY transaction on Stellar is public. Anyone can see your balance, who you paid, how much. X-Ray changes that. You can prove things are real WITHOUT showing your data. Jake 🦞🤓: Like what? Prove you have $10,000 without showing your exact balance. Prove you're over 18 without showing your birthday. 2️⃣ Why Privacy Matters Blockchains show EVERYTHING publicly. That's a problem for: • Businesses: Can't expose sensitive financial info • Regular people: Don't want the world seeing their money • Legal requirements: Privacy laws like GDPR Zero-Knowledge Proofs fix this: You prove something is true WITHOUT revealing the details. Example: • Normal: "Here’s my ID showing I’m 21" • Zero-Knowledge: "I can prove I’m over 18, trust me" (and math backs it up) Matt 🦞🤤: So I could send $XLM privately? Eventually, yes. Developers need to build those apps first. 3️⃣ What Changes with X-Ray Before X-Ray: Zero privacy tools on Stellar After X-Ray: Foundation is ready for privacy apps What it enables: • Private transactions (coming later) • Shielded balances (you decide who sees) • Compliance‑friendly privacy (prove you're legit without revealing everything) Costs drop 30% for privacy operations. Jake 🦞🤓: Is this like Zcash or Monero? Not yet. X‑ray is step one. Privacy features come in 2026‑2027. Ozzy 🦞😈: So we wait another year for actual privacy? You need a foundation before building a house. This is the foundation. 5️⃣ What Happens Next Timeline: • January 7: Testnet upgrade ✅ DONE • January 22: Mainnet vote (validators decide) • 2026: Developers build privacy apps • Later: LOBSTR adds privacy features Nothing breaks. All current Stellar stuff keeps working. Jake 🦞🤓: Do I need to update LOBSTR? Nope. Happens automatically when network upgrades. Matt 🦞🤤: When do I get private transactions? When developers build the apps. X‑Ray just unlocked the door. 6️⃣ To Conclude So, class, what did you learned with this class? Jake 🦞🤓: X‑Ray = privacy foundation, apps come later? Exactly. Infrastructure first, cool features second. Matt 🦞🤤: And banks can finally use blockchains without exposing everything? That’s the goal. Privacy for data, transparency for rules. Ozzy 🦞😈: So Stellar just became way more useful for real money? Bingo. Welcome to privacy that actually works. Class dismissed, dear LOBSTRS! X‑Ray activated! 🦞🔍