Stellar (XLM), an open-source blockchain known for fast and low-cost cross-border payments, is drawing the attention of both retail and institutional investors in 2025.
However, the concentrated distribution of XLM supply and its potential for real-world asset (RWA) applications present opportunities and challenges.
What Does the Concentrated Supply and Rising Exchange Balances Mean?
One major concern about Stellar is the concentration of XLM supply. According to Flipside Crypto, the top 10 XLM wallets hold approximately 25 billion XLM. The total circulating supply is 30.9 billion XLM, meaning nearly 80% of the supply belongs to a small group.
This raises questions about decentralization. A few entities holding large amounts of tokens could significantly influence the market. Meanwhile, about 90% of XLM holders own less than 100 XLM.
This imbalance shows that most retail investors have little impact on price. As a result, the market faces volatility risks if “whales” decide to sell.
Additionally, data from stellar.expert shows that XLM balances on Binance have risen steadily since late 2023, from 180 million XLM to 1 billion XLM. This increase reflects growing demand for trading and signals potential sell pressure if negative news emerges.
At first glance, this kind of data often seems negative for a network’s outlook. However, XLM investors argue that increased circulating supply can indicate growing adoption.
“This isn’t a random distribution — it’s a deliberate strategy… Supply growth is measured and controlled while adoption skyrockets,” an XLM investor commented.
On-chain data further supports this view. Stellar’s active accounts grew from 7.2 million in 2023 to 9.5 million by May 2025. On average, the network adds about 5,000 new wallet addresses daily. This ever-increasing demand helps absorb the circulating XLM.
Signs of Rising XLM Demand in Real World Asset (RWA) Sector
Currently, Stellar ranks as the third-largest protocol in RWA market capitalization, behind only Ethereum and ZKsync Era. Notable players in Stellar’s RWA ecosystem include the Franklin Templeton OnChain US Government Money Fund (valued at $497 million) and Circle’s USDC stablecoin, which holds $345 million on the Stellar network.
Total Value of Assets Tokenized on Networks. Source: RWA.xyz
The total value of RWAs on Stellar has grown nearly 84% in 2025. It rose from $275 million to over $500 million by May. This growth reflects Stellar’s increasing appeal for real-world asset tokenization.
Prices of cryptocurrencies fluctuate quite often. Expert traders can capitalize on them, but constant market monitoring and adjusting trade strategies are still required, especially during a bear market.
However, with this exciting new platform called AlgosOne, which offers an AI-powered trade automation bot, be it volatility or a bear market, both can become extremely lucrative.
So, let’s learn more about this exciting new platform and how it can help you profit from the rising prices of Bitcoin, XRP, and SHIB.
What is AlgosOne?
AlgosOne is an AI-powered trade automation bot that offers exceptional profits from cryptocurrencies like Bitcoin, Ripple XRP, and Shiba Inu, even in a bear market. Users only have to deposit a minimum of $300 and then get on with their day because the bot handles all of the work, which gives users a reliable and stable income.
The trading bot is powered by machine learning (ML) technology and trained on massive amounts of trading-related data. The bot constantly analyzes current news, top traders and their successful strategies, price action, and expert analysis.
Like many other traders, you can also sign up now and make the most of AlgosOne’s limited-time 15% bonus on deposits and a two-week long risk-free trial.
Risk Management of AlgosOne
Trading in market conditions like a bear market comes with several risks. That’s why AlgosOne offers a comprehensive risk management plan which includes the following:
Transparency: It ensures transparency by providing users with clear and straightforward information about its trading process. During the entire journey, it maintains an open line of communication, supported by a dedicated customer support team. Hence, users are aware of where their funds are being invested or traded.
Protection Against Liquidation: AlgosOne has a liquidation prevention method that ensures only 5% to 10% of the user’s total balance per trade is utilized. This helps prevent the liquidation of the user’s capital.
Funds Security: AlgosOne has also partnered with some of the world’s top digital asset security platforms, including Tier-A Banks. Client and company funds are kept in separate accounts spread across different banks, ensuring no single financial institute has full custody of all the capital.
Reserve Fund: AlgosOne offers a unique Reserve Fund that holds over $40 million. The reserve fund adds a further layer of protection by acting as insurance if things go sideways due to technical or market failure. In his review, Financial Expert Oli talks about the reserve fund and how it works on his algosone review on youtube.
Human Intervention: Because technology and human experience work best together, a team of financial experts is always present to oversee the entire trading experience.
Assets Diversification: Lastly, AlgosOne doesn’t only profit from Bitcoin, XRP, and Shiba Inu; rather, it diversifies risk and invests in multiple other financial markets, including stocks, forex, commodities, bonds, and indices.
AlgosOne AiAO Token
Trading Bitcoin, XRP, and Shiba Inu have many advantages, but AlgosOne’s AiAO token is also designed in a unique way, especially in a bear market, because of its tokenomics.
Firstly, the AiAO token offers users a unique governance feature that includes voting rights. These rights allow holders to participate in platform decisions, which helps foster an engaged community. Secondly, the token also offers regular dividend payouts and is designed for value growth. A portion of these dividend payouts come from AlgosOne’s reserve fund.
AiAO token offers users a great opportunity. Depending on which of the 16 stages a user enters and how early they do, the capital appreciation they will experience can be 500x. This is a return that Bitcoin, XRP, or Shiba Inu may not give.
Positive Response of Traders
Many users have reported high gains after using AlgosOne, even in a bear market. Users also like AlgosOne for its high returns, intuitive design, and proper risk management strategy.
Moreover, they also commend AlgosOne for letting them take the back seat while it does all the technical trading work for them. Long-term user Pieter of AlgosOne also shows this as how easily users can get acquainted with it and start earning profits.
AlgosOne’s 4.7-star rating on Trustpilot and 4.5-star rating on Google reviews show a positive user response.
Conclusion
Profiting from cryptocurrencies like Bitcoin, XRP, and Shiba Inu can be extremely rewarding, but due to increased volatility during a bear market, it can become extremely risky.
That’s why many traders are opting for AlgosOne. This AI-powered trading bot excels in every market condition and performs trade decisions on the user’s behalf with extreme precision and accuracy. With this, users get to enjoy profits without having to do any hard work!
Want to grow your portfolio even in a bear market? Sign up for AlgosOne right now and make the most of your funds with no effort!
GRVT co-founder Hong Yea left behind a rising executive career at Goldman Sachs to launch a hybrid crypto exchange as the market collapsed.
Four months after the mainnet, it has processed over $5 billion in volume. Yea tells BeInCrypto how his Wall Street roots helped engineer a decentralized trading powerhouse.
A Leap of Conviction in a Market on Fire
When Hong Yea left a decade-long career at Goldman Sachs, where he had risen to executive director, crypto markets were in freefall. It was late 2022, and FTX had just collapsed.
Confidence in centralized platforms had evaporated. But for Yea, the implosion was not a deterrent—it was validation.
“FTX crystallized our thesis. Centralized counterparties are single points of systemic failure. We saw that coming—and built GRVT to be the opposite,” Yea told BeInCrypto in an interview.
That conviction would be tested. While former colleagues moved toward managing director promotions and fatter bonuses, Yea built a next-gen exchange from scratch. One that would fuse institutional-grade speed and compliance with the decentralization ethos of Web3.
Today, just four months after its public mainnet launch, GRVT has processed over $5 billion in trading volume.
It is the first licensed decentralized exchange (DEX) under Bermuda’s Class M framework and one of the few platforms bridging Wall Street’s rigor with blockchain’s permissionless infrastructure.
Why a Goldman Exec Bet on Blockchain
For Yea, the pivot was not sudden. A trader by training, he spent years inside Goldman watching promising financial products die behind walled gardens.
“I saw brilliant tools and strategies that never reached beyond institutional silos. At the same time, DeFi lacked the risk controls, performance, and compliance needed to scale. I realized: if we could combine both worlds, we could unlock finance for everyone,” he explains.
The spark came at a 2022 crypto conference in Barcelona. Yea saw clearly that blockchain was not just speculative—it was a superior substrate for finance.
“It’s like a smarter internet. Not just for data, but for logic. Immutable, programmable, global. That’s what finance needs,” he articulates.
The Hybrid Advantage: CEX Speed Meets DEX Trustlessness
In the interview, Hong Yea presented GRVT as a purpose-built hybrid, not a traditional DEX or a centralized exchange with a Web3 gloss.
The platform, he said, separates matching and risk logic off-chain from settlement and custody on-chain. With this, users get the speed of centralized venues without ceding control of their assets.
“Every trade is executed with sub-millisecond latency, but settled on-chain via smart contracts that never touch user funds. It’s trustless execution at institutional speeds,” Hong Yea remarked.
Users sign trades cryptographically using SecureKey technology, which combines multi-party computation (MPC) with biometrics for maximum safety. At the same time, onboarding feels like Web2—email, password, 2FA.
Behind the scenes, GRVT’s zero-knowledge chain ensures privacy while keeping settlements transparent. Crucially, the platform allows users to instantly rehypothecate margin across markets—an edge even legacy prime brokerages rarely offer.
GRVT’s “CeDeFi” architecture combines off-chain order matching and risk management with on-chain self-custodial settlement using a private zk-powered Validium chain. It eliminates intermediaries, avoids on-chain custody fees, and enables users to maintain sole control of their assets.
“Trades execute in sub-millisecond latency but clear trustlessly in users’ own wallets,” Yea said.
This design directly targets the weaknesses of both CEXs and DEXs:
CEXs offer convenience and speed but force users to relinquish custody, introducing counterparty risk.
DEXs provide transparency and control but suffer from latency and fragmented liquidity.
GRVT bridges that divide. Users sign trades with biometrics via a SecureKey while all assets remain in their wallets.
“We blend Web2 login flows with cryptographic controls and one-click trade signing,” Yea explained. “It’s the speed of Binance with the self-custody of Uniswap—minus the trade-offs.”
$5 Billion in 120 Days With Regulation As The Blueprint
According to Hong Yea, GRVT’s explosive growth was engineered through raw performance, ecosystem incentives, and early partnerships. Its matching engine operates with latency under 10 milliseconds, outpacing Ethereum-based DEXs, Solana (SOL), and even newer Layer 2 solutions.
However, it is not just about speed. GRVT rewards market makers, community contributors, and liquidity providers, and creates a balanced, multi-stakeholder system.
Reportedly, more than 40 institutions, including CoinRoutes and top prime brokers, now trade on GRVT, injecting deep liquidity from day one.
Moreover, in a post-FTX playing field, the timing is opportune. Retail users demand transparency; institutions demand compliance. GRVT meets both demands without compromise.
“We’re not a niche. We’re a bridge. Retail wants safety, institutions want access. We offer a platform where both can trade on equal footing,” Yea added.
While most DEXs attempt to dodge regulation, GRVT leaned in. It became the world’s first licensed DEX under Bermuda’s Digital Asset framework.
“We treat compliance as code. Our chain enforces KYC and trade surveillance at the protocol level. That’s not just policy—it’s unbreakable,” Yea emphasized.
Reportedly, GRVT is now in active discussions with regulators across Asia, Europe, and North America, working toward multi-jurisdictional licensing for a globally compliant rollout. Yea believes this regulatory adoption is not a constraint but a critical enabler.
“Rules aren’t the enemy—they’re the gateway to institutional trust,” he stated.
Meanwhile, GRVT’s vision does not end with crypto trading. Yea sees a future where tokenized real-world assets (RWAs), including equities, funds, and institutional strategies, trade peer-to-peer (P2P) on a decentralized, composable platform.
“Wall Street is warming up. However, this time, they will come not to dominate, but to integrate,” Yea concluded.
Building long-term trust on a blockchain may seem like a leap for a trader who once priced risk in microseconds. However, for Hong Yea, it was a calculated trade—and so far, it is paying off.
XRP has recently broken out from a multi-month descending wedge, signaling a potential reversal after the largest downtrend of 2025. Trading at $2.22, the cryptocurrency appears to be entering a new phase of bullish momentum.
This shift could mark the end of the persistent price decline that started in January, setting the stage for further growth.
XRP Holders Are Holding On
The dominance of short-term holders has significantly declined, indicating a positive shift in market dynamics for XRP. According to the HODL waves, the supply held by investors holding between 1 and 3 months has dropped from 12% to 6% in the span of two months.
This shift suggests that more short-term holders have transitioned into mid-term holders, reducing the likelihood of immediate sell-offs. This maturation of holdings is a positive sign, as it indicates more stability and less selling pressure in the short term stemming from confidence in price recovery.
XRP’s macro momentum is showing promising signs as the cryptocurrency pulls away from a potential Death Cross, which could have signaled a significant decline in price. The 50-day Exponential Moving Average (EMA) is currently trending upward, providing support for XRP as it moves away from bearish territory. The candlesticks are also positioned above the 50-day EMA, signaling that the altcoin is gaining strength and may continue its upward movement.
The pullback from the Death Cross and the upward movement of the 50-day EMA provide technical evidence that XRP’s price could continue to rise. This shifting momentum, combined with improving market sentiment, suggests that XRP is setting itself up for a potential rally. Investors will closely watch these indicators as signs of further recovery.
XRP is currently trading at $2.22, breaking out of a near 5-month-long descending wedge. If this breakout continues, it will mark the end of the largest downtrend of the year, which started in January. The next key resistance is at $2.38, and a successful breakout above this level could signal further upward movement for XRP.
If XRP maintains its current bullish trajectory, the altcoin could rise to $2.56 after breaking through the $2.38 resistance. Flipping $2.56 into support would further confirm the breakout and indicate that XRP is entering a more sustained phase of growth. This would set the stage for continued price appreciation.
However, if XRP fails to break the $2.38 resistance, the price could fall back to $2.02. Losing the $2.16 support level would invalidate the bullish thesis, signaling a potential reversal in sentiment and a resumption of the downtrend. The next few days will be crucial in determining whether XRP can maintain its upward momentum or face further declines.
