Stellar Users Can Now Borrow USDC Using XLM as Collateral via Templar Protocol

• Templar is launching on Stellar, enabling XLM deposits to borrow USDC, with no wrapping limitations.
• XLM makes an attempt a slight restoration, but bearish alerts stick with a Loss of life Cross and low momentum readings.

Templar, the primary Cypher Lending Protocol, has formally launched on the Stellar community, giving customers the power to deposit XLM and borrow stablecoins reminiscent of USDC throughout a number of blockchains. The mixing permits borrowing straight by Stellar wallets with out the necessity for bridges or wrapped tokens.

Templar operates by NEAR’s multi-party computation (MPC) community and Chain Signatures, guaranteeing that deposits from Stellar wallets are dealt with securely and with out cross-chain issues.

USDC borrowing is out there not solely on Stellar however may also be accessed on Ethereum, Solana, NEAR, and different supported chains. By way of this construction, liquidity strikes easily between supported networks.

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Templar, the primary Cypher Lending Protocol, is launching on @StellarOrg to unlock multichain XLM & RWA lending.

Stellar customers can now deposit XLM to borrow USDC on Stellar! pic.twitter.com/o85gwbrGjh

— Templar Protocol (@TemplarProtocol) November 5, 2025

Borrowing Choices Broaden with Benji Integration

This launch is a component of a bigger collaboration between Templar and Stellar that focuses on tokenized real-world property (RWAs). Stellar has already established a presence on this sector, supporting tokenized devices reminiscent of Franklin Templeton’s U.S. Authorities Cash Fund (Benji).

Templar states plans to combine Benji as a borrowing choice whereas additionally exploring including extra property from RWA tasks, reminiscent of Centrifuge. This opens liquidity routes for tokenized property on Stellar and helps permissionless entry within the DeFi area.

With this step, the vary of property out there on the Templar protocol expands, bringing it nearer to the aim of enabling anybody to borrow seamlessly in opposition to any asset throughout any chain.

Centrifuge lately introduced a $20 million deployment on Stellar, whereas Mercado Bitcoin shared plans for a $200 million tokenization effort. PYUSD from PayPal and USDY from Ondo Finance have additionally been launched on the community.

Stellar now holds over $500 million in tokenized real-world property, excluding stablecoins. This marks a roughly 25% year-over-year enhance. With near-zero transaction prices and monetary rails that accommodate each retail and institutional customers, the community continues to attract curiosity from corporations trying to challenge or work together with tokenized property.

Loss of life Cross Alerts Deeper Drop for Stellar

Stellar’s XLM token tried to get better on Wednesday after two consecutive classes within the pink, buying and selling at $0.2704 with a 1% intraday acquire. The transfer got here because the altcoin broke beneath a falling channel sample, elevating warning amongst merchants a few potential continuation towards the $0.2200 assist space.

Market analyst Peter Brandt identified the breakout, warning that weakening retail demand may deepen the correction.

The technical setup for the token has turned bearish after the 50-day Exponential Shifting Common crossed beneath the 200-day EMA on Monday, forming a Loss of life Cross sample. This sign usually suggests an prolonged downtrend forward, aligning with XLM’s latest pullback from its early-month peaks.

The Relative Power Index is hovering round 30, and the MACD line is trending beneath its sign line. These readings mirror heightened promoting stress and chronic downward momentum. Nevertheless, a day by day shut above the June 11 excessive of $0.2851 may restore short-term optimism and pave the best way towards the $0.3000 mark.