KEY TAKEAWAYS
- Wirex activated USDC and EURC card-settlement on Stellar for more than 7 million users on November 18, which increases real transaction activity on the network.
- U.S. Bank began testing a programmable stablecoin on Stellar, adding institutional liquidity and expanding real-world financial use-cases.
- Rising stablecoin settlement and banking pilots could increase on-chain activity and support stronger demand for XLM through December.
Stellar’s recent real-world payment integrations and bank stablecoin pilots bring fresh utility to XLM, potentially increasing demand for the token as stablecoins and card-settlement adoption expands.
The Stellar network is currently trading around 0.24232631 USD and has moved sharply into mainstream payments and banking infrastructure this month.
With major developments such as stablecoin card-settlement going live and a leading U.S. bank issuing a test stablecoin on Stellar, demand for XLM could rise as the network sees more real-world usage.
Let’s have a quick look at XLM’s outlook for December.
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RECOMMENDED: Is It Too Late to Buy XLM? Updated 2025 – Key Factors to Watch
XLM Outlook for December: Payments Integrations Are Live
On November 18, 2025, Wirex – a global digital-payments platform and principal member of Visa – launched dual-stablecoin settlement using USDC and EURC on Stellar.
This upgrade affects over 7 million Wirex users.
With this move, card payments now settle on-chain in stablecoins instead of relying on traditional banking rails.
That means faster processing, lower fees, and 24/7 availability for global transactions.
Bank Trials And USDC Support Expand Liquidity On Stellar
Adding to payment use-cases, U.S. Bank – one of the largest commercial banks in the United States – began testing issuance of a compliant, programmable stablecoin on Stellar as of November 25, 2025.
The trial works with the Stellar Development Foundation (SDF) and a major consulting firm.
The stablecoin attempt explores features like KYC compliance, transaction freezing, and fast settlement on-chain, which traditional banking systems often lack.
This institutional interest could bring deeper stablecoin liquidity and real-money flows onto Stellar.
RECOMMENDED: 5 Strong Reasons to Buy Stellar Lumens (XLM) in 2025
What To Watch For In Price And Flows
With stablecoin settlement live for millions of users and a top U.S. bank experimenting with on-chain stablecoins, network activity on Stellar may rise.
That could push more transactions through XLM rails – e.g. as minor utility token or bridging asset – increasing demand for XLM.
XLM gained about 2.6% to $0.25 shortly after the bank’s stablecoin pilot announcement.
If payment volumes increase significantly, stablecoin flows grow, and adoption spreads to other banks or payment platforms, XLM could benefit from sustained upward pressure.
ALSO READ: Is XLM Still Worth Buying in 2025?
Conclusion
December brings real momentum for Stellar. With stablecoin-based card payments now live for millions, and bank-grade stablecoin piloting underway, Stellar stands out as a working payment blockchain.
If those integrations scale up, XLM December performance may see renewed momentum.
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