$5,000 in Stellar (XLM) Today: Here’s What It Could Be Worth by Q4 2026

Stellar (XLM) has returned to investors’ watchlists after several years of underperformance versus larger cryptocurrencies. Unlike many Layer-1 projects, Stellar’s investment thesis hovers around payments, tokenized real-world assets (RWAs), stablecoins, and institutional settlement rather than speculative DeFi activity. The key question isn’t simply whether XLM can rally; it is whether growing institutional usage can eventually