XLMUSDT
Stellar Lumens / Tether USD
crypto Composite

XLM you will see why very soon

Hbar, XLM and Algo will moon

I think 95% will, clearing out the dead wood that probably should of happened already TBH. The one's with utility, roots, partnerships and connections are the one's will survive and then thrive in my opinion. I think BTC, Eth, Sol, XRP, HBAR, XLM etc are all most likey safe. I put ADA in that category too IF they do the things Charles claims will happen this year and next (upgrades, partnerships etc). But it's just my opinion, DYOR. 

This is the system that will be in demand, XRP will have success long term, the will be a pivotal asset. But XLM, In my own personal experience, have a more secure evosystem. Like other chains should be looking at some of the ways this Ultra Stellar plaform carries these loads

Stellar’s 184% RWA Market Cap Surge Lights a Fire Under XLM

You asked a question so I will answer.
Am I willing to hold. Yes. 1000%
My portfolio is superior to many other investors. Here’s why.
My bags grow in real $USD value. My bag holds real utility driven Crypto currencies that have survived years of abuse from the Crypto community.
Flare has proven its use case. Over $166 million TVL growth from $9 million in last September 2025. FXRP supply over 150+ million today. The people and institutions have spoken. We want Yield.
I shouldn’t even need to lay out why XRP, HBAR, QNT, XLM, are solid investments.
But at the end of the day I’m paid to wait. I argue I’m in the top 0.5% of investors in America with a paid off house. Making currently $6K a year in passive income at rock bottom bear market prices. And I’m 35 years old. Waiting benefits me unlike other investors who buy
Doge. Pepe. or other Crypto’s. They watch their portfolios decline and pray for recovery. They panic sell.
I don’t. My bags compound and grow. while I sleep. I’m able to buy more alongside my staking rewards at bear market lows and compound even further. It’s no competition on why I can wait.
I’m rewarded for it. Just like ETH staking is rewarding holders today.

I’ve now gotten to a point in the bear market where passive income is now paying me $6893.4 a year.
Flare passive income is paying $515 a month currently in Defi. HBAR is paying about $113.4 annually currently. And XRP is paying about $600 annually currently in defi. QNT Yield likely comes this year so I can’t factor yield yet.
XDC native yield requires 10M XDC to stake. Hoping they lower XDC requirement so I can stake my 100K XDC. Dogecoin I will stake when added to firelight phase 2 entire 21730 Doge tokens.
Doge should give another $260.76 a year. XLM will stake when firelight phase 2 goes live and that’s another $200 a year if I stake 10,000 XLM.
I consider this portfolio better than 2-7 Bitcoin. Why? Performance wise I will outperform 2-7 Bitcoin over the long run if even three of these assets appreciate enough in the next 5-10 years.
For instance, Flare is paying me about 64,000-70,000 Flare a month. I pay taxes on the Flare out of my salary. And compound it all back into my Flare bag. Plus, I’m currently buying 60,000+ Flare a week off exchanges and compounding that as well. I make $127K a year that’s how I’m able to do it. If this bear market continues I’m on track to have 8.1M-9M+ Flare by the end of 2026!
Here’s why it’s superior to 2-7 Bitcoin. If Flare heads back to September 2025 prices of $0.026-$0.03 with 8.1M-9.1M Flare I will be making passively over $2500-$4000 dollars a month. Even with APY decline. Do you see what I’ve built with only $160K? What’s even more insane this portfolio does not require an absurd or moonshot price. Flare has been $0.02-$0.07 before. These low prices change my life forever if Bitcoin even remotely rally’s to $125K-$130K again.
On top of Flare succeeding and TVL currently over $165M and FXRP supply over 150M+ and growing. If Flare hit’s $0.10-$0.20 by 2028-2030 I’m looking at generational passive income. Including a ladder climb out into SCHD of $1M after taxes with the sell of Flare. That’s right if Flare hit’s $0.10-$0.20 I will sell and slowly fund SCHD to $1M dollars while holding at least 4M Flare after the sell for life.
Factor in QNT yield is coming this year and I own 203.12 QNT.
203.12x0.03=6.0936 QNT a a year
6.0936x115=$700.764 passive income a year
And I believe QNT will shoot past $400 very soon. But never forget I don’t have to sell and can compound all QNT rewards back into my bag growing it.
Same with HBAR all compounding.
Same with XLM and Doge all compounding.
Same with XRP all compounding.
Like QNT we’re also waiting on XDC.
Mind you with SCHD I have an exit plan to fund $1M dollars from Flare. But I never have to sell all my Flare in case it goes to $0.20-$0.30. Which would make the passive income insane. But funding a secure dividend like SCHD secures my retirement so I will sell. Or one of my stocks or other assets to retire. My retirement will be abroad. I only need $40K gross. I’m already at $6893.4 and growing a year. Could decrease if Flares price falls lower but it actually benefits me in this bear market. As I’m able to buy 60K Flares a week and compound it back into bag to grow on top off staking rewards.
I believe by 2030 I will have 8 passive income streams and the crazy part I don’t know how much I’ll be making. But I lose no sleep in this bear market because I’m being paid and growing my bags like crazy.
HBAR growing
XRP Growing
Flare growing
Soon
QNT growing
XDC growing
XLM growing
Doge growing
everyday. While I sleep. If Flare hit’s $0.10-$0.20 at 11% APY I’ll be generating over $89K-$178K a year. Add in my job making $127K a year. I’ll quickly fund SCHD of $1M dollars and quickly outpace 2-7 Bitcoin at $130K-$250K dollars.
Will I fail. Only 2030 will tell the real story.

Stellar’s Big Rebound Relies On This XLM Upgrade