How Major Firms Are Using the Network for Real-World Finance

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Stellar Lumens (XLM) is a network designed to bring financial inclusivity to underserved communities across the world.

Through the work of the Stellar Development Foundation (SDF), the network has steadily built out utilities for cross-border payments, tokenization, and remittances, while forging impactful partnerships with global enterprises.

As adoption grows, more companies and institutions are integrating Stellar’s infrastructure to power digital money solutions. From stablecoins to mutual funds, Stellar’s expanding ecosystem is positioning itself as one of the most practical blockchains for enterprise and financial use cases.

Circle’s USDC on Stellar

One of the most prominent integrations is the issuance of Circle’s USDC stablecoin on Stellar. USDC is a regulated dollar-backed stablecoin that has become a cornerstone of digital payments, and its native launch on Stellar has created new opportunities for fintech firms.

By tapping into Circle’s API suite, developers can now access banking and treasury services directly within the Stellar ecosystem. According to RWA.xyz, USDC issuance on Stellar has reached $182.6 million, while Circle’s euro-backed stablecoin EURC accounts for $1.9 million.

Since 2021, USDC on Stellar has enabled faster, cheaper, and more accessible stablecoin transactions, making the network an attractive solution for payments in emerging markets.

MoneyGram’s Global On/Off-Ramp

Stellar’s partnership with MoneyGram, a leader in cross-border payments, has become a cornerstone of its mission for financial inclusivity. The collaboration provides crypto-to-cash and cash-to-crypto conversion services through MoneyGram locations worldwide.

This on/off-ramp enables users to convert USDC on Stellar into local fiat currencies almost instantly, with very low fees. For the unbanked and underbanked, this offers a practical bridge between digital assets and cash-based economies.

MoneyGram’s integration with Stellar showcases one of the rare blockchain solutions that truly connects the digital and physical financial worlds.

Franklin Templeton’s On-Chain Money Fund

Stellar’s technology has also caught the attention of traditional finance. Franklin Templeton, a global asset manager, launched its OnChain U.S. Government Money Fund on Stellar.

As of July 2025, the fund is valued at $781.9 million, with $431.4 million of its assets recorded directly on Stellar. This makes Franklin Templeton one of the first major institutions to use a public blockchain for fund ownership records.

Through the BENJI investment app, the fund’s transfer agent tracks share ownership transparently and efficiently on Stellar. By tokenizing its fund, Franklin Templeton benefits from faster clearing, lower fees, and around-the-clock market accessibility, all while maintaining SEC registration.

ClickPesa and Emerging Markets

In East Africa, ClickPesa has integrated Stellar’s network to streamline B2B payments across Tanzania, Kenya, and Rwanda.

ClickPesa allows local businesses to send international payments more affordably by reducing foreign exchange costs and settlement times. For small and medium-sized enterprises (SMEs) in developing markets, Stellar provides a critical financial lifeline that traditional banking systems often fail to deliver.

This highlights Stellar’s broader role in promoting financial inclusion across emerging economies.

PayPal’s PYUSD Joins Stellar

Another major milestone for Stellar came with PayPal’s decision to issue its PYUSD stablecoin on the network. Initially launched on Ethereum, PYUSD’s integration with Stellar leverages the platform’s efficiency to enable near-instant settlement with significantly lower fees.

According to May Zabaneh, Vice President of PayPal’s Blockchain and Digital Currency Group, Stellar provides a natural fit for cross-border payment solutions:

“As we see cross-border payments being a key area where digital currencies can provide real-world value, working with Stellar will help advance the use of this technology and provide benefits for all users.”

This partnership extends PYUSD’s reach into more practical payment use cases and reinforces Stellar’s reputation as a leader in stablecoin infrastructure.

Global Adoption Is Accelerating

From stablecoins with Circle and PayPal to asset management with Franklin Templeton and remittance solutions with MoneyGram, Stellar is proving its value across both traditional finance and digital-first ecosystems.

The Stellar Development Foundation continues to push for greater DeFi integration and real-world asset tokenization. Looking ahead, its roadmap envisions millions of new users and capital flowing onto the network by 2026.

As demand grows for permissionless yet institution-ready networks, Stellar is well-positioned to serve as a foundational layer for tokenized assets, payments, and inclusive financial tools.

Whether through mutual funds, remittances, or stablecoin adoption, Stellar Lumens (XLM) is steadily expanding its global footprint and bridging the gap between Web2 finance and Web3 innovation.