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Stellar XLM

crypto

Price History

$0.0408$0.207$0.373$0.540
2017-11 · DCA start$0.0729

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

-92.4%-61.6%-30.8%0.0%
2017-112026-08 · -70.5%

Worst drawdown: −92%, peaking Jan 2018 and bottoming Mar 2020 — still unrecovered after 103 months.

DCA Backtest

Invested
$10,600
Value today
$13,054
Return
+23.1%
Months invested
106

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $12,432 today, so the real (inflation-adjusted) return is +5.0%.

Lump sum instead — $10,600 all at once in Nov 2017: $23,174 (+118.6%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Jan 2018): $12,791 on $10,400 invested (+23.0%).

Backtests use monthly closing prices. Stock dividends aren’t reinvested, so long-run equity returns are understated.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

JFMAMJJASOND
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 2017-11: +23.1%

About Stellar

Stellar is an open-source, decentralized network co-founded in 2014 by Jed McCaleb and Joyce Kim to facilitate the fast and low-cost transfer of value across different currencies and assets globally. Managed by the non-profit Stellar Development Foundation, the project serves as a global infrastructure that connects banks, payment systems, and individuals to expand financial access to underserved populations. (CoinGecko)

It's a cryptocurrency categorised under layer 1, with a market cap of about $6.2B.

It rates Medium-High Risk at 2.4/5, meaning real but ordinary risk — the kind most mainstream assets carry, with some factors scoring poorly.

What pushes the score up: market / volatility (4.0/5) and regulatory (3.0/5).

Scoring well: governance / team at 1.0/5.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

Medium-High Risk(2.4/5)100% rated

How these ratings work

Market / Volatility4.0/5 · weight 30%
  • Annualised volatility (3yr)4/5123
  • Max drawdown from ATH5/592.4
  • Beta vs BTC3/51.1
Liquidity2.0/5 · weight 10%
  • 24h volume / market cap4/51.4
  • Top exchange % of volume1/59.9
  • Significant listings1/539.0
Supply & Concentration1.0/5 · weight 15%
  • Top 10 wallets % of supplynot yet researched
  • Unlocks in next 6mo, % of supplynot yet researched
  • Annual supply growth %1/50.00
Smart Contract / Technical2.0/5 · weight 12%
  • Audit status3/5unaudited long track record
  • Admin key / upgradeability1/5none immutable
  • Share of its mining algorithm (PoW)not yet researched
Custody / Bridge1.0/5 · weight 10%
  • Bridge reliance1/5no bridge dependency
Governance / Team1.0/5 · weight 10%
  • Team1/5doxxed track record
  • Largest staking operator, % of stakenot yet researched
Regulatory3.0/5 · weight 10%
  • Regulatory profile3/5significant premine centralized issuer
Systemic / Correlation3.0/5 · weight 3%
  • Correlation to BTC3/50.57

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.