Is Stellar the new king of international money transfers? Check out the facts behind it!

Jakarta, Pintu News – In an increasingly competitive cross-border payments landscape, blockchain platforms such as Stellar (XLM) are emerging as major players that promise fast, cheap, and secure solutions. With a stable price at $0.275 or around Rp4,485 (at an exchange rate of 1 USD = Rp16,293) as of June 2025, Stellar continues to strengthen its presence through strategic partnerships and the adoption of technology relevant to the needs of the global market.

Stellar’s Strategic Partnership and Mastercard’s Role in Cross Border Payments

Stellar has made significant progress since introducing integration with Mastercard’s Crypto Credential framework. The partnership allows users to send crypto payments using a simple identity such as an email address, while ensuring regulatory compliance through an automated validation system. This approach simplifies the previously complicated and costly process of cross-border money transfers.

This integration was announced during the Meridian conference in London in October 2024, and immediately impacted the XLM price, which jumped from $0.0899 (IDR 1,465) in June to $0.5508 (IDR 8,972) in November. Despite the correction, the XLM price remained relatively high in the following months. This shows that the market responded positively to Stellar’s innovations, mainly due to its practical use in the financial ecosystem.

Also Read: Shocking Prediction of Long-Term Analysis by Javon Marks: XRP Price Could Hit $21?

Adoption in the Remittance Market: Focus on the Philippines and Latin America

One of the early adopters of this integration is Coins.ph, a digital wallet platform in the Philippines known to be active in the $37.2 billion remittance market. In addition, Mercado Bitcoin in Brazil and Wirex in London have also adopted the solution. These partnerships demonstrate Stellar’s focus on providing inclusive financial services, especially in developing countries that face limitations of conventional banking services.

With a market capitalization of approximately $8.45 billion based on current circulation, and a total of nearly $13.5 billion when calculated from the overall supply of XLM, it appears that investor interest and liquidity remain high. This indicates that Stellar continues to attract the attention of the global crypto community as a practical solution to cross-border payment needs.

Challenges from Ripple (XRP) and the Competitive Landscape of Payment Blockchain

Although Stellar is showing rapid growth, stiff competition is coming from Ripple (XRP), which offers similar solutions in terms of speed and efficiency of cross-border payments. Ripple has even established partnerships with over 100 banks and financial institutions through its On-Demand Liquidity (ODL) service, including the launch of a new service with Unicâmbio for transfers between Europe and Brazil.

Both projects offer added value through efficiency, speed, and low costs. However, Stellar relies on advantages in financial inclusion as well as a technological approach that is easily accessible to local financial service providers. With the support of big names such as Mastercard, VISA, and MoneyGram, Stellar has the opportunity to expand its dominance especially in emerging markets.

Conclusion

Stellar (XLM) continues to cement its position as the platform of choice in cross-border payment systems. The combination of strategic partnerships, a relatively stable token price, and real adoption in the global market shows that XLM has great potential in driving blockchain adoption for everyday financial needs. Despite having to face competition from XRP, Stellar’s concrete steps show that this project is not just speculation, but a future solution in the global financial system.

Also Read: Is Dogecoin (DOGE) Due for a Decline? Descending Triangle Pattern Indicates This

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This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities are subject to high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying andselling Bitcoin and other crypto asset investments are the responsibility of the reader.

Reference:

• Crypto News Flash. Is Stellar the Future of Cross-Border Payments? XLM Steady at $0.275. Accessed June 5, 2025.
• Featured Image: Cryptoslate