Stellar (XLM)

In 2025, @FTDA_US' momentum demonstrated accelerating institutional adoption of compliant, onchain yield products at scale. Franklin Templeton's last year, by the numbers 👇 https://t.co/gGRx3ud6qY

ZK proofs, confidential tokens, and designed with compliance in mind. For Stellar, privacy is protocol.

ZK proofs, confidential tokens, and compliance baked in. For Stellar, privacy is protocol.

STELLAR ✅️ $XLM 🔥 https://t.co/ARruINYguu

🧵 Stablecoins are quietly becoming global payment infrastructure. @Visa just expanded its partnership with @stripe backed Bridge to roll out stablecoin-linked cards in 100+ countries. This isn’t a crypto headline. It’s a structural shift in payments. Now zoom in. Stripe invested in @StellarOrg Patrick Collison serves as an advisor to the Stellar Development Foundation. That’s not random alignment. Stripe is the API layer of the internet economy. Visa is the global card and settlement layer. Stellar is optimized for fast, low-cost asset issuance and cross-border value transfer. Different roles. Same direction. Here’s what many missed: In 2025, Visa officially integrated the Stellar network into its global stablecoin settlement platform. That enables settlement of stablecoins like $USDC and $EURC using Stellar’s infrastructure. Faster. Lower cost. Cross-border native. And it didn’t stop there. Wirex and Stellar went live with dual stablecoin Visa settlement (USDC and EURC) for ~7 million users. N

Alright class, micropayments time! 🦞💸 Have you ever tried to send $0.50 and paid $2 in fees? Traditional finance wasn't built for small payments. But Stellar changes everything, sending pennies for fractions of pennies. Notebooks open, let's break down tiny transactions!📖👇 1️⃣ What Are Microtransactions? Microtransactions are payments under $1, sometimes just a few cents or even fractions of a penny. Think: paying $0.10 to read one article, tipping a creator $0.25 for a good post, or sending $0.50 across borders to family. These tiny payments open massive opportunities: • Content creators monetize individual pieces (articles, songs, videos) • Readers/viewers pay only for what they consume • No subscriptions, no ads, just direct value exchange Matt 🦞🤤: Wait, who sends 10 cents? That's nothing. When millions of people each send 10 cents, that's real money. And the internet has billions of users. Jake 🦞🤓: But credit cards charge $0.30 minimum fees. How does anyone profit from a 10-cent payment? Exactly the problem. That's why micropayments never worked, until now. 2️⃣ Why Traditional Payments Fail at Small Amounts Credit cards and banks weren't designed for tiny transactions. The fee problem: • Visa/Mastercard: $0.30 + 3% per transaction (minimum) • PayPal: $0.49 + 3.49% for micropayments • Sending $0.50? You lose $0.65 in fees. You're paying to give away money. The math doesn't work: A writer charges $0.25 per article → After fees, they receive $0.08. Not sustainable. A musician wants $0.10 per song play → After processing, they get $0.02. Basically free. This created two broken business models: 1. Ads everywhere — free content funded by invasive tracking 2. Expensive subscriptions — pay $10/month even if you only want 2 articles Ozzy 🦞😈: So big banks gatekeep small creators. Classic. Basically. If you can't afford their minimum fees, you're locked out. 3️⃣ How Stellar Makes Micropayments Actually Work Stellar's fee: 0.00001 XLM per transaction (approximately $0.000002 at current prices). Let's compare sending $0.50: • Bitcoin: $0.58 to $50 in fees (you'd lose money) • Ethereum: $0.13 to $5 in fees (still underwater) • Stellar: $0.000002 fee (you keep $0.499998) The difference is insane. With Stellar, you can send 1,000 micropayments for the cost of one Bitcoin transaction. Speed matters too: • Bitcoin: 10-60 minutes confirmation • Ethereum: 1-15 minutes • Stellar: 3-5 seconds For live tipping, content access, or instant purchases, speed is everything. Matt 🦞🤤: So I could actually tip someone a quarter and they'd receive… a quarter? Yes. The full $0.25 arrives in 5 seconds, minus $0.000002. They keep basically everything. Jake 🦞🤓: What about stablecoins? Price volatility kills micropayments. Smart. Stellar supports USDC, PYUSD, and other stablecoins. Send stable value with the same low fees. 4️⃣ Real-World Use Cases & The Future Content Creators: • Writers charge $0.10-0.25 per article (no subscription walls) • Musicians earn $0.05 per play (direct fan support) • Livestreamers receive instant tips ($0.50, $1, $2) during streams PayPal chose Stellar for PYUSD specifically to enable micropayments and microfinancing, they see the future here. Remittances: Sending $10 home to family: • Western Union: $5-7 fee (35-50% loss) • Stellar: $0.000002 fee (they receive $9.999998) Digital Goods & Services: • Pay $0.10 to unlock app features • Buy in-game items for $0.25 • Pay-per-use APIs for pennies per call • IoT devices transacting autonomously What's happening now: • PayPal PYUSD on Stellar (400M+ users accessing micropayments) • IBM World Wire enabling cross-border micropayments • Content platforms exploring pay-per-article models • Shift from "$10/month for everything" → "$0.10 for what you use." Ozzy 🦞😈: Basically unbundling everything. No more forced subscriptions. Exactly. Consumers get control. Creators get fair compensation. No middlemen taking 50%. 5️⃣ Recap & Conclusion So, class, what did we learn from today's lesson? Matt 🦞🤤: Micropayments are tiny transactions traditional finance can't handle because fees eat everything. Jake 🦞🤓: Stellar makes them work with $0.000002 fees and 5-second settlement, enabling real economic models. Ozzy 🦞😈: This enables direct creator-to-consumer payments without gatekeepers extracting value. Perfect. The internet of small payments is here, and it runs on Stellar. From tipping creators pennies to cross-border remittances, micropayments unlock economic models that were mathematically impossible before. Class dismissed, dear LOBSTRS!

$XLM enjoooooy has risen by almost 7% since the entry point, BUT I only took part (40% volume) of the profit and it closed at break-even while I was sleeping I set a new limit order at the point where other people's stop losses (liquidity) will be triggered Tp 0.16159, Sl 0.1409, Entry 0.15153

PROTOCOL 21 IS OFFICIALLY LIVE. Stellar just deployed protocol 21 on mainnet. They natively introduced Soroban smart contracts and massively scaled throughput. The infrastructure for the next cycle is completely locked in. https://t.co/sUjS14RyKU