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The Crypto Surge of July 2025: XLM’s Massive Spike, RWA Tokens Gain Momentum, and BTC’s Unexpected Rally

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  • The Crypto Surge of July 2025: XLM’s Massive Spike, RWA Tokens Gain Momentum, and BTC’s Unexpected Rally

The cryptocurrency market has once again defied expectations, with Stellar (XLM) experiencing a massive surge—up over 200% in just 24 hours—while Real World Asset (RWA) tokens like XRP, XDC, Algorand (ALGO), Hedera (HBAR), Velo (VELO), and Sologenic (SOLO) continue gaining unprecedented momentum.

But what’s driving this sudden explosion in value? And why is Bitcoin (BTC) also rallying alongside these altcoins? Let’s break down the key events and expert opinions shaping this market movement.


1. XLM’s Explosive Growth: Why Is Stellar Surging?

Stellar’s XLM has been one of the biggest winners this week, with its price skyrocketing due to several critical developments:

  • Major CBDC Partnership: The Stellar Development Foundation (SDF) announced a collaboration with a Group of 20 (G20) nation to develop its Central Bank Digital Currency (CBDC). This positions XLM as a key player in cross-border settlements.

  • Institutional Adoption: JPMorgan and HSBC have reportedly integrated Stellar’s network for instant interbank settlements, reducing reliance on SWIFT.

  • Smart Contract Upgrade: Stellar’s long-awaited smart contract functionality went live, attracting DeFi projects migrating from Ethereum due to lower fees.

Expert Take:
“Stellar’s focus on bridging traditional finance with blockchain is paying off. The CBDC news alone justifies this rally.” – Caitlin Long, CEO of Custodia Bank


2. RWA Tokens (XRP, XDC, ALGO, HBAR, VELO, SOLO) Are Gaining Serious Traction

Real World Asset (RWA) tokens are seeing institutional and retail adoption like never before. Here’s why:

XRP – The Liquidity King

  • SEC Lawsuit Conclusion: The SEC vs. Ripple case has finally ended, with XRP declared not a security, leading to relistings on major exchanges like Coinbase and Kraken.

  • Bank of America Pilot: BOA is testing XRP for intraday liquidity, boosting confidence in Ripple’s ODL (On-Demand Liquidity) solution.

XDC – Enterprise Blockchain Leader

  • Trade Finance Dominance: XinFin’s XDC Network is now used by 5 of the top 10 global banks for trade settlement.

  • Tokenized Commodities: Major oil and gas companies are using XDC for carbon credit tracking.

ALGO, HBAR – The Enterprise & Government Choice

  • Algorand: The Italian government has chosen ALGO for its digital bonds, while the IMF is exploring it for debt tokenization.

  • Hedera: The Saudi Central Bank (SAMA) is using HBAR for its wholesale CBDC, and BlackRock has tokenized a money market fund on Hedera.

VELO & SOLO – The Dark Horses

  • Velo: Partnered with Visa for cross-border remittances in Southeast Asia.

  • Sologenic: Launched the first SEC-approved tokenized stock trading platform, bridging crypto and equities.

Expert Take:
“RWAs are the next trillion-dollar market. Tokens like XRP, XDC, and HBAR are leading because they solve real problems.” – Raoul Pal, Macro Investor

RWA
xrp
xdc
Algorand
Hedera
Velo
Sologenic SOLO

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