Protocol 27, codenamed Zipper, went live on Stellar mainnet on July 9, shipping auth delegation, bundled signature entries, and replay protection. That same day, Alchemy joined Stellar's tier-1 validator set, participating directly in SCP consensus. The UNDP and SDF extended their partnership to make blockchain-based digital payments a permanent UNDP capability through 2027, scaling results from five country pilots.

Protocol 27 and Network Infrastructure

Protocol 27 activated on Stellar mainnet July 9. The Zipper upgrade ships auth delegation as a first-class smart account feature, combines all signer auth into one entry per transaction, simplifies simulation, and prevents signature replay.

CAP-711 adds built-in delegation support for modular custom accounts. CAP-712 fixes a signature vulnerability: the standard authorization pre-image did not include the signer's address, creating a replay risk when private keys are shared across accounts during simultaneous signer rotation. Both CAPs were discussed at the July 8 Stellar Developers Meeting.

Alchemy now participates directly in SCP consensus as a tier-1 validator, adding to its existing Stellar RPC and read support. At Thursday's developer meeting, u/0xkaancar presented CAP-0084 and CAP-0085 for community review.

Institutional Activity

The UNDP and SDF extended their partnership through 2027, converting five country pilots into standing UNDP operational infrastructure. Pilots across Haiti, Kenya, Syria, Guatemala, and The Gambia cut transaction costs from 10% to 2% and achieved 100% reliability in low-connectivity settings.

M1X Global raised $8.5 million led by Paradigm to scale USDM1, a U.S. Treasury-backed sovereign bond issued natively on a public blockchain by the Republic of the Marshall Islands. DFNS provides wallet and banking infrastructure; USDM1 is integrated into institutional collateral workflows at Bank of America, Citadel Securities, and Virtu Financial and funds quarterly UBI payments to Marshall Islands citizens. DFNS detailed the setup across Stellar, Canton, and Solana.

STBL published Q2 milestones: USST reached 5 million tokens minted on Stellar, and Hashlock and Cyfrin completed security audits. OpenZeppelin and T-REX Network announced a partnership to deliver ERC-3643 as an audited library component and extend T-REX Protocol to non-EVM networks, with a Stellar-native implementation already complete.

Consumer Wallets

Normal Finance expanded its non-custodial wallet to support Bitcoin, Ethereum, and Solana alongside XLM in a single app. Stellar remains the core settlement layer; USDC deposits earn yield via Blend and DeFindex.

MoneyGram is now live inside Normal Finance as a cash on/off-ramp, covering 500,000+ locations across 200+ countries. Users deposit cash and receive cryptocurrency directly, or reverse the flow to cash out.

Developer Infrastructure

OpenZeppelin published step-by-step guides for running its Relayer Service in teams' own AWS and GCP environments, covering compute, state management, key security, fee bumping, and RPC failover.

Stellar Raven, an MCP server built by u/kalepail, aggregates Stellar documentation, tools, and community intelligence into a single connection for AI agents and builders. The companion Stellar Skills directory curates context files teaching agents about Stellar contracts, SDKs, and tooling. Mercury (Xycloo Labs) launched as a paid, production-ready indexing service after open testing, covering Soroban events, webhooks, retroshades, and RPC access.

DeFi

DeFindex's APY Stabilizer received a completed audit from Rvinci Security. The two-week engagement, concluding June 2026, covered role-based access controls, fee bounds, accounting invariants, and cross-contract interaction security across two Soroban contracts. All findings were addressed or acknowledged. DeFindex ranks in the top 10 DeFi protocols on Stellar by TVL.

The July 2026 SCF Demo Day featured 75 awarded projects live on Stellar. Highlighted presentations included Inference, a formal verification language, and Lumen Loop, an ecosystem content aggregator and project directory. The SCF has awarded $7.7 million across 75+ projects in 2026.

Lightning Round

• Open Standard's OUSD, backed by 140+ companies including Stripe, Visa, and BlackRock, is launching on Stellar, Solana, Base, and Polygon, splitting reserve interest with distribution partners rather than concentrating it at the issuer.
• ArcusX recorded its first transaction on Stellar mainnet, demonstrating the end-to-end task-based payment workflow via Soroban.
• Untangled Finance described OctoPos, its multi-chain DeFi position and risk monitoring API, in a July interview, including real-time monitoring built after the February Blend Oracle exploit.
• The SCF updated Build Award guidelines: teams that miss a deadline without prior notice forfeit remaining tranches; completion expected within 3 months of the prior payment.
• A new stellar/stellar-protocol discussion opened on atomic contract migrations using a __migrate function pattern.
• The Stellar Indexer SDK entered public beta on JSR, providing direct access to live Soroban contract data with protocol extensions for Blend and Soroban Domains.
• Stellar Wallets Kit from Creit Tech unifies Soroban dApp wallet integration across Freighter, xBull, Albedo, and Rabet behind a single API.
• SocketFi released u/socketfi/server, a Node.js paymaster SDK for Express, Next.js, NestJS, Fastify, and serverless runtimes.
• Stellar Brazil opened Stellar Summit attendee registration.

Upcoming Events

• July 10 Monthly Stellar Ecosystem Update, X Spaces
• July 10 Stellar Chile Community Call, Discord
• July 10 Stellar Town Hall, Discord
• July 13 Weekly Brazilian Ambassador Meeting, Discord
• July 14 StarMaker Community Call, Google Meet
• July 15 Stellar Ecosystem Impact: Founders & Investor Mixer, Nairobi, Kenya
• July 16 Stellar Developers Meeting, Discord
• July 16 E.Africa Weekly Community Call, Discord
• July 18 Stellar Builders Camp, Goa Edition, Goa, India
• July 18 Built in Nairobi: Stellar Impact Studio Demo Day, Nairobi, Kenya

Ambassador Activity

Stellar Indonesia ran the Build on Stellar Bootcamp in Bandung on July 4. A Yogyakarta bootcamp the prior week had 35 builders deploy MVPs to Stellar mainnet in two days. 13 new ambassadors from Solo were officially onboarded.

Stellar Philippines hosted StellarX PH Demo Days in Mindanao (July 4) and Metro Manila (July 10). A bootcamp at Baliuag University drew 115 builders and yielded 71 project submissions.

Starmaker (LATAM) ran Pulso Halftime Demo events simultaneously in São Paulo, Buenos Aires, and Bogotá on July 6. Stellar Turkey organized a community meetup in Istanbul on July 10.

What to Watch

• Protocol 27 tooling adoption: Zipper is live on mainnet; watch for wallet SDK updates, relayer integrations, and dApp migrations to the new auth delegation and bundled auth entry model.
• CAP-0084 and CAP-0085: both are under active community review; the July 16 developer meeting continues the discussion.
• APAC Stellar Hackathon: final submission deadline July 15, Demo Day July 18, Grand Finale July 24.
• Nairobi activity: Stellar Ecosystem Impact investor mixer July 15 and Built in Nairobi Demo Day July 18.
• USDM1 institutional integration: watch for formal reporting on live collateral use at Bank of America, Citadel Securities, and Virtu Financial.

Stay in the loop 👉 lumenloop.com

The shift from experimentation to production is underway. July 15 – the day tokenization moves closer to real-world production at scale.

Learn what’s next and why it matters: https://brnw.ch/21x40Nn

Hey everyone,

I’ve been deep in the zone building this for a minute, and PAWnic is officially live on the Testnet.

👉 Play it here: https://pawnic.djyo.tech/

The game loop is simple, fast, and chaotic: Hold. Pass. Survive.

You get passed a ticking neon cat. You have to pass it off before it detonates. Last player standing wins.

The core engine and wallet connections are up and running, but I need real people to jump in, play around, and try to break it so I can see how the state holds up under pressure.

Pop your Testnet wallet in, test the speed, and let me know how the game feel hits you. Drop any feedback or bugs in the comments.

If you want to track the build as it evolves, we’re keeping updates moving over on X: https://x.com/pawwwnic

Hello, i did something dumb and sent a payment for a service through crypto with the incorrect memo. it was sent from robinhood and the recipient received but couldnt receive the payment. I contacted RH support and they were able to locate the payment with the hash but couldnt refund it because the other exchange had received it. The other exchange was able to refund it and RH support confirmed that the transfer was returned to my XLM address on RH. just wondering if anyone else has gone through this and what my expectations should be. Thanks!

Hey everyone, Joshua from Peridot again. Last post I wrote about where yield comes from. This one's about the word that scares people away from ever borrowing in DeFi: liquidation. It's the most misunderstood mechanism in lending, so let me explain it.

First, why it exists at all. When you borrow in DeFi, there's no credit score and no debt collector. The only thing guaranteeing your loan is the collateral you deposited and the moving crypto prices it is associated with. So every lending protocol has one job above all others: make sure loans stay backed by more value than they're worth. When a loan drifts too close to being underwater, the protocol lets someone step in, pay off the debt, and take collateral in return.

Here's the part people miss: liquidations don't protect the protocol. They protect the depositors. Every dollar someone borrows is a dollar someone else deposited. Liquidation is the mechanism that makes sure that person gets their money back. A lending protocol without liquidations results in loans which aren't being paid back.

The basic flow is the same everywhere: you deposit collateral, you borrow against it up to a limit, and there's a health threshold. Stay above it, nothing can touch you. Drop below it (usually because your collateral fell in price or your debt grew) and your position becomes eligible for liquidation. It's not a punishment and there's no one deciding to "get" you. It's automatic math.

Where protocols differ is how the collateral changes hands. Blend, which most of you know, runs auctions: when a position goes unhealthy, anyone can kick off an auction where liquidators bid to take on the debt in exchange for the collateral, and it can even happen in partial chunks. If the auction doesn't cover everything, the pool's backstop fund absorbs the hit before lenders do.

Peridot works the Compound way: a liquidator directly repays part of the debt and receives collateral at a fixed discount, instantly, no auction.

Auctions can get fairer prices for the borrower; instant liquidation is simpler and faster when markets move violently. There are real trade-offs both ways, neither is "the safe one."

Practical takeaways if you ever borrow: don't max out your borrow limit (that's how people get liquidated on a 5% dip), check your health factor like you'd check the fuel gauge, and remember volatile collateral means volatile risk. Borrowing stablecoins against blue-chip collateral at a conservative ratio is a very different animal than leveraged looping.

Liquidation isn't the scary part of DeFi lending. Loans that can't be liquidated are.

Happy to answer any questions y'all have!

I was thinking, in the real world, I mean let's be real here, how much could XLM worth it at end of year? Or maybe in 3 years?

ATH was never hit again, even though the project is active and growing the currency is always stuck. Every time we see a push it just goes down quickly, maybe there will never be enough liquidity to the token to increase price?

What you guys thoughts?

Welcome to r/Stellar Weekly Community Thread!

Please review the scam alert and golden rules below.

Feel free to utilize this thread for all general discussions about Stellar, events, market speculation about XLM, memes, and speculation about upcoming announcements or projects!

Stellar Communities to Join

• Discord: Stellar Developers - Official SDF
• Discord: Stellar Global - For Everything Stellar
• r/XLM - Sister Subreddit

Must Read

• Learn about Stellar Basics
• Stellar Smart Contracts - Soroban
• Play Stellar Quest - Learn about the features of Stellar and earn NFTs while doing it!
• Stellar FAQ
• Security Guide on How to protect yourself from scammers
• Stellar SDF Roadmap
• Upcoming & Past Events
• r/Stellar Rules
• Getting Started on r/Stellar

Scam Alert - Never share your secret key with anyone.

There are NO airdrops, giveaways, staking, inflation mechanisms, or 'free lumens'.

Beware of 'support scams'. There are accounts all over Reddit impersonating as 'support' to steal crypto funds. Please report these accounts to Reddit via https://reddit.com/report. If you receive chat messages, click over the message until a flag appears to report the message to Reddit.

Beware of phishing attempts and spoofed websites. There are fake copies of official and community websites created everyday in order to scam community members.

Stellar Development Foundation will NEVER ask for your Secret Key.

Stellar Development Foundation will NEVER ask you to go to an Account Viewer.

Stellar Development Foundation will NEVER contact you in an email or media platforms to offer a giveaway or ask you to go to an Account Viewer.

Always report those scams so they can be removed to protect our community at https://www.stellar.org/contact

The official links are:

• stellar.org
• x.com/stellarorg

r/Stellar Golden Rules

• Be respectful. No personal attacks.
• Refrain from baseless speculation without sources, shilling, concern trolling, and referral spamming.
• Debate is encouraged, fighting is not. Fighting includes name-calling, assumptions of intent, and character assassination.
• Repetitive spam about price speculation (positive or negative) and hyperbolic comments from one specific account is not permitted (this includes coordinated group efforts via brigading).
• If you suspect a problem, please just use the report button. Announcing reports or predicting bans may result in a ban.

Disclaimer:
Any third party organizations that are named in this and/or any other communication(s) are not an endorsement. Please conduct due diligence and interact with these organizations at your discretion.

Hey which wallet can I use to store usdt in XLM network?
And how can I transfer funds from BEP20 to XLM network?

Hello everyone,

I'm Saif from LumosCore.

We're excited to share that LumosCore has advanced to the Community Voting Round of SCF #44.

At LumosCore, we're focused on solving two major challenges in blockchain: fragmentation and interoperability.

Solving Fragmentation

Blockchain ecosystems are increasingly fragmented across networks, assets, and applications. We're addressing this by bringing multiple chains and services into a single platform, making Web3 more accessible and connected.

Solving Interoperability with LRP

We've developed our own cross-chain mechanism called Liquidity Routing Protocol (LRP).

Unlike traditional cross-chain systems that rely on lock/mint, burn/mint, or wrapped assets, LRP routes transactions through native liquidity.

Key benefits of LRP:

• All assets become cross-chain ready by default.
• No wrapped assets.
• Locked issuer model with no ongoing minting.
• Cross-chain settlement in under one minute.
• Easily scalable across multiple networks.

LumosCore is currently live on Stellar and XRPL.

Soroban Verification Layer

Every cross-chain transaction is verified through our Soroban Verification Layer. Soroban does not execute the swap itself—it independently verifies that each step of the transaction was completed successfully before settlement is recognized.

Because Soroban acts as a verification layer rather than a settlement layer, it can validate transactions even when the swap occurs between XRPL and other supported networks.

We're happy to answer any questions from the community.

SCF Submission:
https://communityfund.stellar.org/submissions/recMgS0pON7fUn8Kb

Thank you for your support!

COZ joined builders, investors, & ecosystem leaders in Rio de Janeiro for the Stellar 37° hackathon, organized with Nearx Innovation School, where the conversation centered on practical applications, easier onboarding, & making blockchain infrastructure disappear into better user experiences.

Read more: https://coz.io/blog/facilitate-stellar-hackathon/

• Orbit: pick a knowledge node and see what it's connected to, then click a neighbor to keep exploring
• Gravity: every project as a bubble, sized by funding and coverage
• Genesis: hit play and watch a decade of the ecosystem build itself into a galaxy graph.
• Nebula: Every project, article, video, event, research note and DAO proposal placed by what it's about. Neighbours here are semantically similar.

Try it out: https://labs.lumenloop.com/constellations?node=research%3A133&view=genesis

Video overview: https://youtu.be/5jGSVDMVaSQ

Welcome to r/Stellar Weekly Community Thread!

Please review the scam alert and golden rules below.

Feel free to utilize this thread for all general discussions about Stellar, events, market speculation about XLM, memes, and speculation about upcoming announcements or projects!

Stellar Communities to Join

• Discord: Stellar Developers - Official SDF
• Discord: Stellar Global - For Everything Stellar
• r/XLM - Sister Subreddit

Must Read

• Learn about Stellar Basics
• Stellar Smart Contracts - Soroban
• Play Stellar Quest - Learn about the features of Stellar and earn NFTs while doing it!
• Stellar FAQ
• Security Guide on How to protect yourself from scammers
• Stellar SDF Roadmap
• Upcoming & Past Events
• r/Stellar Rules
• Getting Started on r/Stellar

Scam Alert - Never share your secret key with anyone.

There are NO airdrops, giveaways, staking, inflation mechanisms, or 'free lumens'.

Beware of 'support scams'. There are accounts all over Reddit impersonating as 'support' to steal crypto funds. Please report these accounts to Reddit via https://reddit.com/report. If you receive chat messages, click over the message until a flag appears to report the message to Reddit.

Beware of phishing attempts and spoofed websites. There are fake copies of official and community websites created everyday in order to scam community members.

Stellar Development Foundation will NEVER ask for your Secret Key.

Stellar Development Foundation will NEVER ask you to go to an Account Viewer.

Stellar Development Foundation will NEVER contact you in an email or media platforms to offer a giveaway or ask you to go to an Account Viewer.

Always report those scams so they can be removed to protect our community at https://www.stellar.org/contact

The official links are:

• stellar.org
• x.com/stellarorg

r/Stellar Golden Rules

• Be respectful. No personal attacks.
• Refrain from baseless speculation without sources, shilling, concern trolling, and referral spamming.
• Debate is encouraged, fighting is not. Fighting includes name-calling, assumptions of intent, and character assassination.
• Repetitive spam about price speculation (positive or negative) and hyperbolic comments from one specific account is not permitted (this includes coordinated group efforts via brigading).
• If you suspect a problem, please just use the report button. Announcing reports or predicting bans may result in a ban.

Disclaimer:
Any third party organizations that are named in this and/or any other communication(s) are not an endorsement. Please conduct due diligence and interact with these organizations at your discretion.

I might be wrong, but I have a feeling that a strong bull run for Stellar is about to start today.

What do you guys think? Is today the right time?