U.S. Bank Stablecoin Test Adds to Stellar’s Expanding Financial Ecosystem

• U.S. Bank tests custom stablecoin on Stellar, citing uptime, fees, fast settlement, regulatory asset controls.
• Rising stablecoins, Visa support, and tokenized Treasuries push Stellar toward mainstream on-chain settlement.

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U.S. Bank has begun testing the custom issuance of its own stablecoin on Stellar, marking a notable signal of trust from a major U.S. financial institution. The pilot highlights how blockchain infrastructure is being used by regulated banks to modernize settlement while meeting strict legal and compliance needs.

According to a recent Messari report, U.S Bank chose Stellar due to its proven operational history, over 99.99% network uptime, and very low transaction fees, with payments settling in seconds at a cost of only a fraction of a cent. Senior executives said Stellar’s native asset controls, including a clawback mechanism, were a major factor, as they allow issuers to recover assets when required by law or consumer protection rules.

The test comes amid strong growth in Stellar’s stablecoin activity. In 2025, the market capitalization of stablecoins on the network recorded a 53% rise compared to previous year, increasing from 159 million dollars to 243.6 million dollars This rise was driven largely by the the launch of PayPal’s PYUSD and expansion of USDC.

Stellar Becomes a Bridge for Real Finance

Institutional participation has extended beyond banks. As we reported, Visa added three new stablecoins, while payment providers like Wirex allows card settlement on-chain using stablecoins, bypassing intermediary banks. This signals that Stellar is serving as a direct link between conventional payment rails and blockchain-based settlement systems.

At the same time, Stellar’s financial layer has grown alongside stablecoins. During 2025, issuance of real-world assets on the network increased, pushing their combined market value to 890.2 million dollars. Tokenized US Treasury funds, European and US T-bills, and commercial real estate products all contributed. These assets are now integrated into Stellar’s decentralized finance applications, where they support lending, borrowing, and exchange activities.

Total value locked in DeFi reached 172.5 million dollars. It includes protocols that provide stablecoin lending, offer decentralized exchange services, and supply liquidity across multiple assets. The combination of regulated asset issuance and open financial applications has formed a structure in which traditional financial products interact with blockchain tools in a controlled and measured manner.

Inverse Pattern Signals XLM Rally Toward $0.33

At the time of reporting, Stellar’s native token XLM was priced at $0.243, reflecting a 9.18% rise in the last 24 hours. Since November 2025, XLM appears to be developing an inverse head and shoulders pattern in the daily chart (XLM/USD), according to market watchers. This pattern is commonly seen as a sign of a potential shift in direction. Analysts noted that closing the day above the $0.254 neckline strengthens the bullish case, placing $0.33 as the next upside level.

Technical indicators such as daily RSI holding around 56 indicates buyers are active, yet the market is not crowded. That allows prices to extend higher. Meanwhile, the MACD histogram’s return to positive territory since December supports the view of a broader trend change rather than a temporary lift.

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