XLM Payments Push Gains Steam as Institutions Choose Stellar for Stablecoins

Stellar tops $3.3B in tokenized RWAs as stablecoin activity grows and Protocol 27 vote nears on July 8, 2026.

Stellar’s payment network is seeing more activity from firms building with stablecoins and tokenized assets. 

The XLM blockchain has long focused on fast transfers and low transaction costs.

The latest discussion centers on stablecoins, tokenized assets and regulated finance products using Stellar. 

Supporters point to USDC, MoneyGram links, PayPal activity and compliant stablecoin projects.

On-chain data shared in the update shows more than $3.3 billion in tokenized real-world assets on Stellar. That figure has placed Stellar’s role in financial settlement back in focus.

Stellar is also preparing for Protocol 27, known as Zipper, with a mainnet vote expected on July 8, 2026. The upgrade focuses on smart accounts, wallet tools and simpler transaction design.

Stellar Stablecoin Activity Gains Attention

Stellar’s payment role remains central to the current XLM market discussion. The network has supported blockchain-based transfers for many years. 

Its design focuses on low-cost settlement across borders and financial platforms.

Stablecoin activity has become a major part of that payment story. The update cites USDC use in a United Nations-linked initiative. 

It also notes stablecoin work connected to MoneyGram and Stripe-related activity. PayPal’s planned move onto Stellar has added another point of interest. 

The update describes Stellar as PayPal’s third blockchain for this rollout. Together, these projects show rising stablecoin use across the network.

Tokenized Assets Expand on Stellar

Stellar is also seeing growth in tokenized real-world assets, based on the latest shared data. 

More than $3.3 billion in RWAs has been issued on the network. These assets connect traditional finance products with blockchain-based settlement.

The update also points to institutional-grade financial tools on Stellar. These products may include tokenized funds, stable-value assets and regulated payment instruments. 

Their growth supports Stellar’s wider role in digital finance. Stablecoins and RWAs often work together in blockchain payment systems. 

Stablecoins support transfers, while tokenized assets support market access and settlement. For Stellar, both areas remain important to its current adoption story.

Read Also: XLM Bulls Eye Long-Term Growth as Stellar Adoption Expands Despite Pullback

Protocol 27 Targets Smart Account Improvements

Protocol 27, called Zipper, is expected to face a mainnet vote on July 8, 2026. 

The upgrade aims to improve how smart accounts work on Stellar. It also supports developers building applications through Soroban.

The proposal includes authentication delegation for smart contracts and simpler account controls. 

It may also improve multisig and account abstraction for wallets. These changes could reduce transaction steps and lower development work.

For users, the upgrade may make wallets and applications easier to manage.With builders, it could improve tools for DeFi and payment products. 

For XLM, traders are watching stablecoins, RWAs and Protocol 27 together.

The post XLM Payments Push Gains Steam as Institutions Choose Stellar for Stablecoins appeared first on Live Bitcoin News.