Bullish Scenario: If adoption of Stellar's technology grows, especially in cross-border payments and CBDCs, XLM could see significant price increases. Strategic partnerships with financial institutions, like IBM, and improvements in network scalability would support this growth. By 2026, XLM could reach $1.50 to $3.00, and by 2030, $5.00 to $7.00 under favorable conditions.
Bearish Risks: Regulatory uncertainty, intense competition from other blockchain networks (e.g., Ripple/XRP), and slow adoption could limit Stellar’s growth. If adoption lags or market conditions worsen, XLM could drop to $0.05 to $0.10, with low trading volumes leading to short-term retracements.