How Much Will 7,488 XLM Be Worth by 2026? Stellar Price Prediction

If you’ve got around 7,488 Stellar (XLM) sitting in your account, you might be thinking about how much that stack might be worth a few years from now. Is Stellar destined to become a noteworthy global payment network to compete alongside XRP, or continue to be a niche payment solution?

Let’s take a look at what’s happening with Stellar, what’s driving the growth, and what those numbers might mean for your investment in 2026.

Stellar was founded in 2014 by Jed McCaleb, one of the co-founders of Ripple, and, like XRP, Ripple did the intensive targeting of banks and financial institutions, whereas Stellar took a different route altogether.

Its main mission is to bring fast, cheap cross-border payments to everyone, especially to underbanked communities where people survive on remittances to their relatives.

The global remittance market handles more than $600 billion yearly, and legacy services are slow and expensive. Stellar wants to change that by offering near-instant transactions with fees so small they’re almost invisible.

It has already shown what’s possible through real-world projects. One example is the IBM World Wire pilot for cross-border settlements. Another is a UNHCR program in Ukraine that lets refugees receive aid through digital wallets instead of depending on physical cash.

Stellar is also involved in central bank digital currency (CBDC) debates. In 2021, Ukraine’s Ministry of Digital Transformation partnered with the Stellar Development Foundation to work on a framework for a potential national digital currency.