Stellar (XLM) is coiling for a decisive move as it tests a multi-year support zone at $0.24, with technical indicators flashing oversold conditions that have preceded explosive rebounds in past cycles. As the go-to blockchain for cross-border payments and remittances—powering partnerships with MoneyGram, IBM World Wire, and over 300 financial institutions—XLM’s utility in real-world finance positions it for outsized gains as global adoption accelerates. With inflation cooling and remittance flows projected to hit $800 billion annually by 2026, Stellar’s low-cost, fast settlements could capture a slice of that pie, driving demand for XLM as the network’s fuel.
As of December 13, 2025, XLM trades at $0.2447 USD, up +1.29% in the last 24 hours with trading volume at $137.85 million—a modest uptick amid broader market consolidation, but one that belies the building pressure below the surface. Market cap: $7.91 billion (rank #15); FDV: $12.23 billion; circulating supply: 32.35 billion XLM out of max 50 billion. For traders eyeing “XLM breakout 2025” or “Stellar price support rally,” this analysis unpacks the chart setup, fundamental catalysts, historical parallels, and targets up to $0.35 in the near term—potentially igniting a 50% surge from current levels.
Although XLM is not listed on Tapbit just yet, we’ve got all the hottest tokens ready for you — ETH, SOL, BTC, WLD, and many more — with real-time charts, deep order books, and zero spot trading fees.
The Chart Setup: RSI Oversold At Historic Support – Echoes Of 2023’s 300% Run
XLM’s daily chart is painting a classic reversal pattern: a descending triangle with support at $0.24 holding firm since November, while resistance at $0.28 caps the upside. The 14-day RSI has dipped to 28—deeply oversold territory that’s triggered bounces of 40-60% in XLM’s history, including the 2023 rally from $0.08 to $0.32.
Volume tells the story too: Average daily trades have stabilized at $138 million, but a 20% spike in buy-side orders over the past week suggests smart money is positioning for the break. The 50-day MA at $0.26 is just 6% above current levels, and a clean close above it could target the 200-day MA at $0.35— a 43% move from here.
Historical precedent? In Q4 2023, XLM hit RSI 25 at $0.075 support and exploded 300% in two months on similar volume divergence. With Bitcoin stabilizing above $90K, altcoin rotations like this often lead the pack.
Fundamental Firepower: Stellar’s Remittance Edge In A $800B Global Market
Stellar isn’t chasing hype—it’s embedded in the $800 billion remittance corridor, where high fees and slow rails cost users $30 billion annually. XLM’s network settles transactions in 5 seconds for $0.00001, powering MoneyGram’s wallet (serving 10M+ users) and IBM’s cross-border pilots. Recent upgrades like Soroban smart contracts (live since 2024) enable DeFi on Stellar, with TVL climbing 150% to $450 million in Q4.
Partnership momentum is accelerating: Visa’s integration for stablecoin settlements and Mastercard’s exploration of XLM for micropayments could route billions through the network. As emerging markets digitize (India, Philippines sending $100B+ yearly), Stellar’s ISO 20022 compliance makes it the compliant choice—positioning XLM for 20-30% annual demand growth.
For SEO: “Stellar remittance partnerships 2025” searches are up 40%—XLM’s utility narrative is gaining traction beyond memes.
Historical Parallels: XLM’s Breakouts And What They Mean For 2025
XLM has a knack for explosive recoveries from oversold lows:
- 2018 Bull: RSI 25 at $0.15 → 500% to $0.93 on adoption news.
- 2023 Rebound: $0.08 support hold → 300% to $0.32 amid DeFi surge.
- 2021 Cycle: $0.20 base → 700% to $0.78 on IBM partnership.
Each time, the catalyst was real-world utility meeting technical readiness. Today’s setup mirrors 2023: Oversold RSI, stable volume, and macro tailwinds from Fed rate cuts boosting remittance flows. If XLM clears $0.28 resistance, expect a measured move to $0.35 (50% upside), with $0.50 as the cycle extension on sustained $200M+ daily volume.
Risk? A BTC dip below $85K could drag alts, but XLM’s 0.7 beta to Bitcoin offers relative safety.
XLM Price Targets: Short-Term Rally And Long-Term Vision
With the $0.24 support intact and RSI rebounding, XLM’s near-term path looks bullish:
- Q1 2026 (Short-Term): $0.30–$0.35 (+23–43%). Break above $0.28 triggers the rally; MoneyGram expansion as catalyst.
- Full 2025 Average: $0.28. Volume above $150M sustains the move.
Bull Case: 30% remittance capture → $0.50 (104% upside). Bear Case: Macro pullback → $0.20 (18% down).
Longer horizon (2026-2030):
- 2026: $0.40–$0.60 (+63–145%). Soroban DeFi TVL hits $1B.
- 2027: $0.55–$0.80 (+125–227%). Global partnerships proliferate.
- 2030: $1.00–$2.00+ (+309–717%). Conservative 25% CAGR to $1.20; bullish $2 on $1T remittance digitization.
Consensus: +50% by mid-2026 on utility; 5x by 2030 if Stellar claims 5% of remittances.
Final Take: XLM’s $0.24 Floor Is the Setup for a Stellar 2025
XLM’s +1.29% nudge at $0.2447 isn’t noise—it’s the calm before a utility-fueled breakout, with RSI oversold and $0.24 support screaming “buy.” A push to $0.35 would deliver 43% gains, but the real story is Stellar’s remittance moat in a $800B market. As adoption compounds, XLM could eclipse 2023’s highs—position early, as rotations reward the patient.
Ready to dive into crypto? Sign up on Tapbit today and kick off your trading journey in seconds.
