Why Big Money Is Fleeing Stellar (XLM) for a New Payments Disruptor Gunning for XRP

Stellar's bleeding whales—and they're not just migrating, they're sprinting. Here's what's fueling the exodus.

1. Speed Kills: The new contender slashes settlement times to near-instant, leaving XLM's 5-second latency looking glacial. Traders vote with their wallets.

2. Fee Wars: While Stellar touts 'low-cost,' this dark horse undercuts it by 80%—because nothing moves capital faster than the smell of saved pennies.

3. Institutional On-Ramps: Forget grassroots adoption. The rival's regulatory-first approach secured three Tier-1 exchange listings last quarter—while XLM's 'partnerships' remain crypto's favorite vaporware.

Bonus jab: Another day, another 'XRP killer'—until the SEC inevitably crashes the party.

Those who pay attention to stellar were surprised this week when data revealed a number of large wallets sending huge amounts of XLM to Remittix, a PayFi startup trying to match XRP in cross-border payments.

So far, Remittix has received $15.5 million, just below its $18 million soft-cap, by offering 542 million tokens at $0.0781 a piece and the team is increasing the bonus for those who buy their tokens in the next 50 percent window before the Q3 2025 launch of the Remittix wallet. These are the reasons many people holding a large amount of Stellar are considering the switch.

Stellar Price Faces XRP-Ready Rival

Source: Ali Martinez on X. Stellar currently trades NEAR $0.26

Even though on-chain activity and transaction numbers hit new highs after Soroban smart contracts, stellar price is having trouble rising above the key $0.28 level. Bulls mention the partnerships with Visa and Franklin Templeton, but they forget that the token recently went into a death-cross on 28 May and its volume dropped by 62 percent. 

As XRP remains a leader in payment coins, the news of potential ETF investment and bank experiments is giving it a lot of attention, making some people worry that Stellar’s future success may be challenged by newer, quicker Remittix. For whales looking for the next big rise, a rival to PayFi might be better than waiting for Stellar price to meet the $0.86 target set by some market analysts.

Reason 1: Instant Retail Utility Beats Institutional Hopes

Even though Soroban provides compatibility with EVM and offers a large developer fund, it is not yet clear when developers will use Stellar and its direct impact on retail users is still unclear. One of Remittix’s main benefits is that it makes it possible to turn Bitcoin, Ether or XRP into funds in a bank account in less than ten seconds at very little cost. 

Every transaction on ethereum uses gas and returns a tiny fee to RTX holders which helps lower the amount of RTX traded. Previously, Stellar’s early supporters waited for its price to appreciate with enterprise deals and now they find a quicker boost when individuals or migrants transfer their earnings through the system.

Reason 2: Tokenomics and Bonus Fuel a Scarcity Engine

Source: coinmarketcap.

In 2019, Stellar’s team burned 50 billion tokens, leaving 38 percent still outside the supply. This keeps the tokens scarce in the long run, but does not affect the market much each day. Using PayFi decreases the amount of liquid in Remittix and today’s extra bonus cuts the effective cost for anyone who starts using it. 

When whales switch into RTX, they receive more tokens which makes break-even easier and means a big reward if the coin hits one dollar. Since the closing of the funding round is almost reached, early investors think that the bonus period will end quickly which means fewer shares will be available. In their opinion, using the dynamic can make prices go up faster than waiting for Stellar Price to overcome crowded resistance bands.

Reason 3: Clear Launch Timeline Versus Ongoing Uncertainty

The launch of Stellar’s Soroban has given some traders fresh optimism, but others state that the real amount of value locked in DeFi is still only $54 million. On the other hand, Remittix has made a firm promise: PayFi mainnet and the wallet will be introduced to the public in the third quarter of 2025. e

The photos from the reveal reveal an app that presents blockchain technology simply by hiding its details with two easy taps. When funds are at stake, planning for a sure launch and checking user stats is more secure than waiting to see what Stellar Price will be once more people join. Adding the fact that Remittix is starting to integrate with major cash-out partners in Asia and Latin America, XLM whales expect to see the catalyst sooner.

Closing Perspective: Why Remittix Could Outpace Stellar Price and Even Chase XRP

The feeling among institutions about Stellar is still positive, as wallets holding 1–10 million XLM have increased by 37 percent in the last three months. However, investors are not sure if a falling-wedge breakout can break the bearish trend. On the other hand, Remittix combines an understandable use case, tough scarcity and an early-stage viral bonus. 

If PayFi goes live on time and more transactions occur, RTX could experience the fast growth associated with XRP and what many hoped for with Stellar Price. If you are a top holder and want to try something new, it’s simple: move a part of your crypto into a rival focused on payment now and enjoy the advantages while others catch up.