5 reasons Stellar (XLM) will reach Rp17,128 in 2030, investors must know!

Jakarta, Pintu News – You might be wondering whether Stellar (XLM) will be able to reach its legendary target of $1 or around Rp17,128 by 2030. Fast forward to mid-April 2026, and the network has just made history by being classified as an official digital commodity by US regulators. This article will dissect your investment opportunities in this asset based on the latest fundamental data and the development of a more mature institutional infrastructure.

1. Regulatory Breakthrough: XLM Now Officially a Digital Commodity

On March 17, 2026, the SEC and CFTC issued joint guidance officially classifying Stellar (XLM) as a digital commodity and not a security. This decision was crucial as it removed the legal uncertainty that had for years hindered the entry of large institutional capital into this ecosystem. Exchanges can now trade these assets without the burden of complex and costly securities law compliance for market participants.

This change in status also allows institutional custodian providers to hold such assets on behalf of their clients legally and securely. Amundi, Europe’s largest asset manager, responded immediately by launching a tokenized fund on the network the same day. The move proves that the classification is not just a theory, but a key driver for real adoption in international finance.

• Regulatory Status: Digital Commodities (such as Bitcoin and Ethereum ).
• Key Impacts: Attract institutional capital and facilitate listing on global exchanges.
• ISO 20022: Natively compliant, making it compatible with central bank payment systems.

Also Read: Fantastic! Elon Musk & Kimbal Musk Bagged Bitcoin (BTC) Worth IDR27.4 Trillion

2. DTCC Patent: XLM at the Heart of US Stock Settlements?

The Depository Trust Company (DTCC), which handles the settlement of almost all stock trades in the United States, has just registered a patent that explicitly mentions Stellar (XLM). The document positions the token as a “Digital Liquidity Token” that will be used to facilitate the settlement of transactions between different ledgers. If the service is officially operational by the end of 2026, Stellar will be at the center of a financial system that processes trillions of dollars every day.

The presence of this patent sends a strong signal about the future direction of traditional asset settlement infrastructure that is increasingly moving towards blockchain. While the service is not yet fully live, the recognition from an institution like the DTCC is a huge technological validation for the ecosystem. You should monitor the launch of this stock and bond tokenization service as it could drastically change price fundamentals in the medium term.

3. Amundi Giant Launches Rp1.7 Trillion Fund in Stellar Network

Amundi, Europe’s largest asset manager with more than €2 trillion under management, has launched a $1.7 trillion tokenized investment fund in Stellar. Apart from Amundi, giant Franklin Templeton has also operated a US government fund called BENJI which now has assets of more than IDR4.6 trillion. The presence of these products shows that the world’s financial institutions are starting to trust Stellar as a reliable and secure platform for their assets.

Real world asset (RWA) tokenization is now a major trend in 2026 that is organically driving value on blockchain networks. Stellar currently holds over IDR 20.5 trillion in RWA assets on its network, making it one of the leaders in the sector. This tangible use by global asset managers provides more stable buying pressure compared to crypto assets that rely on pure speculation.

• Amundi Fund: $100 Million (Approximately Rp1.71 Trillion).
• Franklin Templeton Fund: $270 Million+.
• Total RWA on Stellar: $1.2 Billion+.

4. Soroban Smart Contracts: Turning Stellar into a DeFi Giant

The launch of Soroban in 2024 has expanded Stellar’s capabilities from just a payment network to a highly advanced smart contract platform. The latest protocol in 2026 has even added zero-knowledge proof (ZK) support to maintain transaction privacy without violating regulatory audit rules. This feature is much loved by banks that require privacy of sensitive data but still want to comply with applicable financial laws.

Stellar’s decentralized finance (DeFi) ecosystem is growing rapidly with the inclusion of various decentralized lending protocols and exchanges. Although the total value locked (TVL) volume is still smaller than Solana , the growth is showing a consistent positive trend every month. You can see that the integration of smart contracts is key for Stellar to capture more economic value from each transaction.

5. XLM 2030 Price Prediction: Can it Touch IDR17,128?

Reaching the target price of IDR17,128 by 2030 would require Stellar’s (XLM) market capitalization to increase to around IDR565 trillion from its current value. This is actually very reasonable when compared to the peak valuations reached by other large assets such as Cardano or XRP . The main condition for achieving this target is the full integration of Stellar into the settlement system of future global stock and bond transactions.

The journey towards that target is likely to pass through several important stages, from the launch of ETFs in 2027 to the mass adoption of retail payments. Given that the supply of tokens now remains uninflated after the massive 2019 burn, the scarcity dynamic will start to kick in as institutional demand surges. You should remain wise in investing in cryptocurrency and always do in-depth research before deciding to take a long-term position.

• Current XLM Price (April 2026): IDR2,569 – IDR2,740 (~$0.15 – $0.16).
• Conservative Target 2030: IDR2,569 – IDR6,851 ($0.15 – $0.40).
• Aggressive Target 2030: IDR17,128 – IDR42,820 ($1.00 – $2.50).

Also Read: Where to Buy Silver? 5 Best Places to Buy Silver in 2026

Follow us on Google News to stay up to date with the latest in crypto and blockchain technology. Check Bitcoin price, usdt to idr and tokenized nvidia stock price through Pintu Market.

As a safe crypto app, Pintu provides a crypto trading experience to access crypto gold investment easily and conveniently. You can also see today ‘ s gold jewelry price and today ‘ s gold bullion price to support your investment activities and portfolio diversification as well as learn crypto through Pintu Academy.

*Disclaimer

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 and selling Bitcoin and other crypto asset investments are the responsibility of the reader.

Reference

• Umair/BlockchainReporter. XLM Price Prediction 2030: Can Stellar Finally Close the Gap Between Technology and Token Value?. Accessed April 16, 2026.