Stellar Nears 10M Accounts as Institutions Pile In: Is XLM Primed for a Major Breakout?

Institutional money floods Stellar network as account milestone approaches

The 10 million account threshold isn't just a number—it's a signal that traditional finance is finally getting serious about blockchain infrastructure. While bitcoin maximalists argue about store of value, Stellar's quietly building the rails for actual financial utility.

Enterprise adoption driving network growth

Banks and payment processors are diving headfirst into Stellar's ecosystem, attracted by its compliance-friendly framework and cross-border settlement capabilities. The network's handling more volume than ever, yet somehow still flies under most retail traders' radar.

XLM price action remains curiously subdued

Despite the fundamental strength, XLM's trading like it's 2019—consolidating while flashier tokens grab headlines. Maybe institutions know something retail doesn't, or perhaps Wall Street's just better at accumulating quietly than your average crypto influencer.

Breakout potential meets regulatory reality

Stellar's playing the long game: regulatory compliance first, moon missions second. It's the antithesis of 'move fast and break things'—and in today's climate, that might be exactly what gets institutions to actually use blockchain rather than just speculate on it.

Because nothing says 'financial revolution' like getting approval from the same regulators who brought us the 2008 banking crisis.

Why Institutions Are Going Big on Stellar

Institutional money is playing a key role in Stellar’s momentum. From partnerships with MoneyGram and Circle to recent pilots with central banks and fintechs like VersaBank, XLM is becoming a practical tool for global finance.

VersaBank, for example, has begun testing tokenized deposits (USDVB) on Stellar alongside ethereum and Algorand, mirroring confidence in Stellar’s scalability and compliance.

This steady inflow of enterprise adoption is critical. Unlike retail-driven spikes, institutional backing provides consistent liquidity and long-term confidence.

Analysts suggest that the growth of network growth and enterprise demand could act as the spark for XLM’s next breakout, especially if it pushes past psychological resistance at $0.50.

Currently Stellar trades around $0.38, hovering near its key support levels. Technical indicators suggest the cryptocurrency is preparing for a bullish reversal. The Relative Strength Index (RSI) sits in neutral territory, while narrowing MACD patterns hint at fading bearish momentum.

Analysts project short-term targets between $0.42 and $0.44, with a medium-term breakout toward $0.48–$0.57 by late September. If XLM clears resistance at $0.50, institutional demand could push the price higher, with some models pointing to the $0.60–$0.77 range as the next major battleground.

However, failure to hold above $0.37 could expose Stellar to a deeper pullback toward $0.29. For now, the bullish case outweighs the bearish scenario, and with Stellar nearing 10 million accounts, many traders see this as a defining moment for XLM’s long-term trajectory.

Cover image from ChatGPT, XLMUSD chart from Tradingview