Hey everyone,
We all like to watch the charts, but during the quiet days in the market, the best way to analyze an investment is to look at the actual utility.
The biggest critique of crypto is always that it is just speculation and nobody uses it. Stellar is focusing heavily on institutional and retail adoption. Here is a breakdown of the top real-world use cases running on Stellar right now, proving that the network is built for actual utility.
1. Tokenized Real-World Assets (RWA)
Traditional finance is moving on-chain, and they are choosing Stellar because of its built-in compliance features and speed.
- Franklin Templeton: They have tokenized their Benji United States Government Money Market Fund directly on Stellar. This means hundreds of millions of dollars in traditional assets are settled right here on the network.
- The DTCC: The backbone of the US financial markets has been utilizing Stellar in pilots to test the tokenization of traditional securities like ETFs and bonds.
2. Global Cash-to-Digital On/Off Ramps
Stellar’s main strength is connecting the physical cash world to the digital crypto world.
- MoneyGram (MGUSD): MoneyGram launched its own native stablecoin (MGUSD) on Stellar. This allows users globally to send digital dollars instantly via the app, and the receiver can walk into a local MoneyGram location and walk out with physical local cash. No bank account needed.
3. Invisible Web3 Fintech (Retail Adoption)
For crypto to go mainstream, the user should not even know they are using blockchain. This is where consumer-facing apps are entering the market.
- Beans App: Beans is an example of a peer-to-peer payment app built entirely on top of Stellar. It lets regular users send international payments instantly and earn yield on USDC. The key part is that it uses Stellar’s fee-bump feature, meaning the app hides all the crypto complexities like gas fee headaches or public key confusion. It feels like a standard banking app, but runs on Stellar infrastructure.
The Takeaway for XLM Holders
Every time Franklin Templeton moves funds, every time someone cashes out via MoneyGram, and every time someone sends money on Beans, the Stellar network is being utilized. Speculation drives the short-term price, but this level of enterprise and retail adoption is what creates a permanent floor for the long-term value of XLM.
Which of these use cases do you think will drive the most volume in the coming years? Are there any other projects on the network that should be on this list? Let’s discuss.