Stellar (XLM) Gains 5% with PayPal PYUSD Integration: 2025 Analysis

Stellar (XLM) is making waves in 2025, gaining 5% amid soaring transaction volumes, fueled by PayPal’s planned integration of its PYUSD stablecoin, pending regulatory approval. Stellar, the blockchain platform, is known for fast and low-cost cross-border payments, while Lumens (XLM), its native cryptocurrency, powers transactions and fees on the network. This article explores XLM’s recent performance, technical analysis, whale activity, and trading opportunities on Phemex, offering insights for traders navigating its potential in 2025.

Summary Box (Fast Facts)

• Ticker Symbol: XLM

• Current Price: $0.247 (as of July 8, 2025)

• Chain: Stellar

• Market Cap: ~$7.5 billion (as of July 8, 2025)

• Circulating Supply: ~29.8 billion XLM

• ATH / ATL Price: ATH: $0.8756 (Jan 2018) / ATL: $0.0004761 (Mar 2015)

• Availability on Phemex: Yes, Spot, Futures

What Is Stellar (XLM)?

Stellar is an open-source blockchain platform launched in 2014 by Jed McCaleb, designed for fast, low-cost cross-border payments by connecting banks, payment systems, and individuals to promote global financial inclusion. Its native cryptocurrency, Lumens (XLM), facilitates currency exchanges and covers transaction fees. 

In June 2025, PayPal announced plans to integrate its PYUSD stablecoin onto the Stellar network, pending regulatory approval from the New York State Department of Financial Services (NYDFS). This development has sparked significant market interest, driving XLM’s price up 12% over the past week as of July 7, 2025. As of July 8, 2025, XLM trades at approximately $0.2473, reflecting strong sentiment. The potential PYUSD integration is expected to enhance Stellar’s role in real-world payments, commerce, and micro-financing, strengthening its position in digital finance.

Current Price & Market Data (as of July 8, 2025)

XLM is currently priced around $0.247, with a market cap of approximately $7.5 billion. The circulating supply is ~29.8 billion XLM, and its all-time high was $0.875 in January 2018. A recent 5% price surge, coupled with rising transaction volumes, reflects growing market interest following PayPal’s integration announcement.

Price History & Performance Overview

Since its 2014 launch, XLM has seen significant volatility, peaking at $0.875 during the 2018 crypto bull run. Recently, a 5% price increase and heightened transaction volumes signal renewed interest, driven by PayPal’s PYUSD integration on Stellar’s blockchain. The price has stabilized above key support at $0.216, with technical patterns suggesting potential for further gains.

Whale Activity & Smart Money Flows

On-chain data indicates whale accumulation around recent price dips, with large wallets increasing holdings ahead of the PayPal news. Retail inflows have also risen, particularly in markets with strong stablecoin adoption. However, high wallet concentration could lead to volatility if whales take profits at resistance levels like $0.28 or $0.312.

On-Chain & Technical Analysis

Technically, XLM has formed a bullish “cup and handle” pattern on the daily chart, with the handle appearing around June 22, 2025. The price is testing resistance at $0.257. The Relative Strength Index (RSI) is in positive territory but not overbought, suggesting room for upside. Key resistance levels are at $0.28, $0.312, and $0.43, with support at $0.216, $0.20, and $0.18. A break below $0.216 could trigger selling toward $0.12.

Possible Scenarios

Bullish Continuation (Breakout Rally)

If XLM breaks above $0.257 with strong volume, it could target $0.28, $0.312, and potentially $0.43, aligning with the bullish “cup and handle” pattern. PayPal’s PYUSD integration could fuel sustained momentum.

Pro Tips:

• Entry: Enter after a confirmed breakout above $0.257 with high volume.

• Profit-Taking: Take partial profits at $0.28, $0.312, and $0.43.

• Stop-Loss: Set below $0.216 to manage risk.

Price Consolidation (Sideways Movement)

If rejected at $0.28 or $0.312, XLM may retrace to $0.25 for consolidation. This range-bound phase could precede another breakout attempt if volume stabilizes.

Pro Tips:

• Range Trading: Buy near $0.25 support and sell near $0.28 resistance.

• Volume Monitoring: Watch for declining volume during pullbacks, indicating a healthy consolidation.

Bearish Correction (Pullback Scenario)

A broader market downturn, especially a Bitcoin decline, could push XLM below $0.216, targeting supports at $0.20, $0.18, or $0.12. High-volume selling would confirm bearish momentum.

Pro Tips:

• Patience: Wait for stabilization at lower supports ($0.18 or $0.12) before entering.

• Accumulation: Long-term holders can gradually buy at historical supports.

Key Risks to Consider

• High volatility tied to broader crypto market sentiment

• Whale-driven price swings due to token concentration

• Potential delays or issues with PayPal’s PYUSD integration

• Regulatory risks for stablecoin adoption

Analyst Sentiment & Community Insights

Stellar’s community is buzzing, especially on platforms like X, with optimism around PayPal’s integration. Analysts are divided: some see XLM reaching $0.30-$0.43 in 2025 if momentum holds, while others caution about resistance at $0.312. Disciplined trading and risk management are critical in this volatile market.

Is Stellar (XLM) a Good Investment?

XLM offers strong potential for traders capitalizing on its recent surge and PayPal-driven momentum, but its volatility demands caution. Use tight stop-losses, size positions carefully, and research thoroughly before diving into XLM’s fast-moving market.

Why Trade XLM on Phemex?

Phemex provides a secure platform for trading XLM/USDT, offering:

• Advanced Tools: Real-time charts and order types for precise trading.

• Low Fees: Competitive rates to maximize returns.

• Security: Robust measures to protect funds.

• Global Access: 24/7 support for traders worldwide.

Learn how to buy XLM and start trading XLM on Phemex to leverage these features in 2025.

Disclaimer: The information provided in this article is for educational and informational purposes only and does not constitute financial advice. Cryptocurrency markets are highly volatile and involve significant risk. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions. Phemex is not responsible for any losses incurred due to trading or investing based on the content of this article.