2025

Scaling from 1 to 10

After 10 years of building, we can confidently say that this network is “feature complete” heading into the next decade, a decade we believe will usher in true mass adoption. And Stellar – a purpose built network – is ready to meet this moment armed with the tools, infrastructure and product market fit required to capture mindshare and adoption.

It's no longer good enough to just be a fast, cheap, and secure network (even though we’re damn good at it and will continue to be) it is about delivering real, tangible benefits. Once a payment-focused network, Stellar is now a full-stack platform ready to scale DeFi, payments, and real-world assets to deliver everyday financial services and economic value for both businesses and individuals around the globe.

Our vision centers on three key objectives – driven by four north stars that now frame our vision for success. Let’s get into it:

Our North Stars

Open participation drives innovation (because closed systems are so Web2)
Everyday financial services are our priority (not just another DeFi playground)
Trust enables adoption (revolutionary, we know)
Results-driven execution (talk is cheap, we are here to ship)

Objective 1

Top 10 in DeFi

Our target: $1.5B Total Value Locked (yeah, that B is for Billion)

We're transforming DeFi by:

Supporting lending, borrowing, and savings protocols
Bridging TradFi and DeFi through innovative solutions
Expanding protocol diversity and composability
Accelerating developer adoption and growth

We win when more developers see Stellar as a top DeFi platform that enables them to launch and scale successful products and makes it clear that while many chains are focused on DeFi, Stellar is one of the few, differentiated chains that can deliver on the full stack of everyday financial services.

* This goal’s target is based on market data and may fluctuate

$53238215

Total Value Locked, Source: DeFi Llama

Objective 2

Top 10 in Monthly Active Addresses

Our target: 5M monthly active addresses (3M payment-focused)

Bringing new users onchain with:

Enterprise adoption that scales
User-friendly apps that work
Digital assets that serve real needs
Simple wallets for everyone

Stellar has always been optimized for payments, but competitors on the market are starting to finally pay attention to payments as the single best use case for mass adoption.

We win when Stellar breaks into the top monthly active addresses ranking, a benchmark for adoption, especially for payments use cases. Payments are the fundamental building blocks of everyday financial services so we will focus on scalable products, partners with high-volume potential, and expanding asset types (like yield-bearing) for more robust everyday financial services.

Objective 3

$3B in Real World Assets

Our target: Maintain #2 position while scaling volume (not new, just better)

Strengthening our RWA leadership by:

Onboarding institutional asset issuers
Expanding asset classes and use cases
Building "Stellar-first" asset issuance platforms
Growing retail user engagement

We win by growing that overall number of onchain RWAs as a means to continue to strengthen the network with new assets that promote stability and bring new utility. The RWA vertical is increasingly viewed as the crux of interoperability between traditional and digital finance – and that is where Stellar belongs.

Innovation

Why This Actually Matters

This isn't just another blockchain roadmap; it's about building financial infrastructure that delivers economic value to institutions, businesses and consumers. By nailing these three objectives, Stellar becomes the network where traditional finance meets innovation, where payments just work, and where assets aren't just tokens – they're tools for change.

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