Stellar Development Foundation

Stellar Development Foundation

Open-source financial platform for global transfers

Overview

Stellar Development Foundation is a nonprofit based in San Francisco that builds an open, accessible financial platform called Stellar. It uses blockchain technology to enable people and businesses to send, save, and receive money with low fees, aiming for transparent and secure, open financial access. The platform operates globally and generates revenue from transaction fees and partnerships with financial institutions and businesses. Its goal is to democratize financial services and reduce barriers to financial inclusion by providing a cost-effective, reliable way to move money across borders.

About Stellar Development Foundation

Simplify's Rating
Why Stellar Development Foundation is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Social Impact

Crypto & Web3

Financial Services

Company Size

201-500

Company Stage

Seed

Total Funding

$3M

Headquarters

San Francisco, California

Founded

2014

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Simplify's Take

What believers are saying

  • DTCC integration live H1 2027 compresses settlement from T+1 to near-instantaneous finality.
  • Bermuda's national on-chain economy with Circle and Coinbase validates sovereign blockchain adoption.
  • SDF's $3B RWA goal achieved in 2025, fueling DeFi TVL and payment volume records.

What critics are saying

  • SEC could retroactively classify XLM as security within 6–12 months, triggering US exchange delistings.
  • DTCC's multi-network plan excludes exclusivity, risking dilution if Ethereum or Solana capture priority assets by 2027.
  • Solana's 8× larger market cap enables it to outbid Stellar for RWA partnerships within 6–12 months.

What makes Stellar Development Foundation unique

  • Non-profit SDF maintains codebase and engages regulators since 2014, building institutional trust.
  • Only public blockchain with SEC no-action letter for DTCC tokenizing $2.5 quadrillion in securities.
  • Processes triple-digit RWA growth driven by tokenized Treasuries, gold, and cross-border payments.

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Funding

Total Funding

$3M

Meets

Industry Average

Funded Over

1 Rounds

Seed funding is usually the first official round after pre-seed, when a startup has a prototype or concept. It’s typically used to develop the product, test the market, and start building the team. Investors here are often angel investors or early-stage venture capitalists.
Seed Funding Comparison
Meet Average

Industry standards

$3.3M
$2M
Netflix
$2.3M
Instacart
$3M
Robinhood
$3M
Stellar Development Foundation

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Health Savings Account/Flexible Spending Account

Unlimited Paid Time Off

Flexible Work Hours

Paid Vacation

Paid Sick Leave

Paid Holidays

Parental Leave

401(k) Company Match

401(k) Retirement Plan

Gym Membership

Family Planning Benefits

Fertility Treatment Support

Wellness Program

Professional Development Budget

Conference Attendance Budget

Commuter Benefits

Phone/Internet Stipend

Home Office Stipend

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

2%

2 year growth

5%
Tradable
Jul 15th, 2026
Tradable agrees to bring up to $1 billion in tokenized private credit assets to Stellar.

Tradable agrees to bring up to $1 billion in tokenized private credit assets to Stellar. CHICAGO and SAN FRANCISCO - July 15, 2026 - Tradable, a leading private asset marketplace and tokenization platform, today announced an integration with the Stellar network to tokenize up to $1 billion of private credit assets onchain. The integration builds on Tradable's mission to bring blockchain technology to traditional asset managers through tokenized institutional-grade investment opportunities across high-quality asset classes including private credit. The platform supports workflows that matter in real markets, including deal lifecycle management, compliance controls, investor onboarding, and ongoing operations. "We're excited to partner with institutionally oriented ecosystems like Stellar," said Alex Cordover, CEO of Tradable." By bringing assets onto the Stellar blockchain network, Tradable is continuing to work toward its goal of building the next generation of alternative asset infrastructure." In addition to bringing a significant amount of private credit assets into the Stellar blockchain ecosystem, the integration will also help to ensure the assets are interoperable and composable, maintaining the ability to increase liquidity, and enhance user engagement across numerous platforms. Purpose-built to enable adherence to strict data security and regulatory guidelines, the Stellar network has unique buy-in from institutional adopters. The Stellar network's native asset controls, privacy, and operating cost advantages can all drive significant institutional demand for tokenized private credit assets. "Stellar is the network regulated institutions choose to tokenize real-world assets, and Tradable's decision to bring up to $1 billion in private credit to the network is a clear signal that enterprises are choosing Stellar to bring financial assets onchain at scale," said Denelle Dixon, CEO of Stellar Development Foundation. "Tradable and the Stellar network are showing that institutional-grade assets can move on public blockchain infrastructure with the compliance, security, and efficiency real markets demand." Tradable previously announced in 2025 that it had fully tokenized $1.7 billion of assets across close to 30 institutional-grade private credit positions. About Tradable Tradable's technology platform helps leading asset managers (originators) adopt web3 technology and grow AUM by reaching a new onchain investor audience. Investors are able to access institutional quality opportunities via an intuitive interface built to simplify asset discovery and due diligence. Tradable has developed secure smart contracts for deal representation and AML/KYC/KYB/KYT compliance. Tradable's blockchain-based systems improve on traditional marketplaces by enabling onchain investments and programmatic execution of key tasks while maintaining a high bar of asset quality. Tradable is led by seasoned fintech operators with backgrounds spanning payments, marketplaces, AI, web3, trading, and private credit. For more information, visit tradable.xyz. About The Stellar Network The Stellar network is a decentralized, fast, scalable, and uniquely sustainable blockchain built for financial products and services. It offers builders smart contracts functionality and a protocol optimized for payments, with a design intended to keep fees low and to provide transaction speeds that can scale with increased adoption. Financial institutions and innovators worldwide issue assets and settle payments on the Stellar network, which has processed billions of operations with millions of accounts since the network was first launched. Media Contacts Tradable Jordan Niezelski, Edelman Smithfield [email protected] Stellar [email protected]

Lumexo
May 28th, 2026
Wall Street just chose Stellar.

Wall Street just chose Stellar. May 28, 2026 The biggest name in finance bets on blockchain. Most people have never heard of DTCC. But they feel its work every single day. The Depository Trust and Clearing Corporation runs the backbone of U.S. capital markets, processing an eye-watering $4.7 quadrillion in securities transactions in 2025 alone. It holds custody of assets worth $114 trillion from over 150 countries. Now, DTCC has announced plans to connect its tokenization service to the Stellar public blockchain, with live deployment expected in the first half of 2027. This is not a pilot between two startups. It is Wall Street choosing a public blockchain. What tokenization actually means. Tokenization turns a traditional asset, like a stock or a government bond, into a digital token on a blockchain. Think of it as giving a physical asset a digital twin. That digital twin can move faster, settle in minutes instead of days, and trade outside of traditional market hours. Furthermore, it can travel across digital platforms without losing its legal protections. DTCC confirmed that tokenized assets carry the same investor safeguards as traditionally held securities. Nothing is lost. A lot is gained. Why Stellar was the chosen network. DTCC did not pick Stellar by accident. Its team evaluated three key properties: compliance-minded architecture, open infrastructure, and strong risk management. Stellar met all three. Importantly, Stellar stands as the first public blockchain in DTCC's broader multi-chain strategy. Other networks fill specific roles, but Stellar holds the position as the public-facing rail. Asset classes under consideration include Russell 1000 stocks, major index ETFs, and U.S. Treasury securities. In addition, Stellar recorded 13% growth in total tokenized value over the past 30 days, showing real momentum in this space. The regulatory green light that made it possible. One key regulatory step made all of this possible. In December 2025, the SEC issued a No-Action Letter authorizing DTC to operate a tokenization service for real-world custodied assets. That letter also set out the standards any blockchain must meet to qualify. Therefore, Stellar's selection reflects more than a business decision. It proves that the network passed a rigorous legal and operational review. As a result, market participants can trust that builders designed this infrastructure with compliance at the center, not bolted on as an afterthought. The Stellar ecosystem is open to everyone. Big institutions are not the only ones who benefit from this development. The Stellar network has always centered on open access and low-cost transactions. Lumexo, a non-custodial wallet and DeFi platform built on Stellar, offers fast and easy trading directly within the Stellar ecosystem. Whether you are swapping tokens, earning yield, or simply moving assets, Lumexo puts that power in your hands. The same blockchain that DTCC chose for its institutional tokenization service powers your Lumexo wallet.

Rumble Fish Software Development
Apr 21st, 2026
Rumble Fish secures $131K grant to build Soroban-first block explorer for Stellar network

Rumble Fish has been awarded a $131,200 grant from the Stellar Community Fund to build a Soroban-first Block Explorer for the Stellar network's smart contract platform. The grant was awarded through SCF's 41st funding round. The project addresses a critical gap in the Soroban ecosystem, where current block explorers display smart contract data in raw, technical formats that are difficult to interpret. Rumble Fish's solution will provide human-readable transaction details, contract pages and decoded events through a React-based frontend. The three-phase project will build a full-stack infrastructure including data ingestion, a public interface and production-grade deployment on AWS. The explorer aims to improve transparency and accessibility for developers, investors and users interacting with Soroban's decentralised finance applications and smart contracts.

BlockchainReporter
Apr 7th, 2026
Lava Network integrates Stellar, bringing high reliability RPC access to financial blockchain ecosystem.

Lava Network integrates Stellar, bringing high reliability RPC access to financial blockchain ecosystem. April 7, 2026 8:00 AM Table of contents Stellar is now operational on Lava Network which is a major achievement in increasing the reliability of infrastructure in blockchain based financial applications. The integration adds Remote Procedure Call (RPC) access to both the mainnet and the testnet of Stellar, allowing developers and institutions to connect to the network more effectively. The action indicates an increasing need to have strong infrastructure that can sustain real life financial transactions on blockchain systems. Through the decentralised infrastructure layer of Lava Network, Stellar hopes to provide uninterrupted availability and on demand access of data to applications powered by its ecosystem. Powering real world financial activity. Stellar has traditionally positioned itself as a blockchain that can be used in real world financial applications. Its network has a vast variety of services, such as cross border payments, remittances, stablecoin transactions and connectivity with traditional financial systems. These applications involve constant availability of validated data and any little interference would affect the transactional patterns and customer confidence. This essential need is met by the integration with Lava Network which strengthens the backbone on which Stellar works. Stellar based financial applications are commonly used in those areas where stable financial infrastructure is not readily available, so reliability is not only a technical requirement but also a practical one. With the increased use of blockchain in the payment and settlement industry, there is an increasing need to have reliable infrastructure. The partnership between Stellar and Lava Network indicates a wider trend in the industry of focusing more on the back end resilience to enable front end innovation. Lava Network's infrastructure advantage. Lava Network offers a decentralized infrastructure solution by providing multi provider RPC services. It is a way of saying that rather than using one data provider, requests are directed to a number of providers enhancing reliability and performance. The traffic is dynamically allocated in the system depending on the quality of service, where the most critical workloads are assigned to the most successful providers. The other important characteristic of Lava Network is that it has automatic failover. Should one of the providers go offline or perform poorly, the network will automatically switch traffic to another provider. This will provide continuous service which is critical to the financial application that is 24/7. With these capabilities combined with Stellar, Lava Network makes possible production grade access. Such a high degree of reliability is essential in businesses and software developers who cannot allow downtime in the applications they are developing, like payment systems and financial settlement platforms. Enabling scalable blockchain adoption. The collaboration of Stellar and Lava Network will contribute to the rapid use of blockchain in the financial industry. The necessity to have scaled and reliable infrastructure is becoming more significant as additional institutions consider blockchain based solutions. Stellar developers now have a higher level of performance and minimized service interruption risks. This provides a more predictable platform on which innovation can occur and the team can concentrate on creating user facing capabilities as opposed to addressing infrastructure issues. In addition the integration facilitates the overall vision of decentralized finance and open financial systems. Stellar and Lava Network are helping build a more accessible and reliable global financial system by making sure that critical infrastructure is resilient. Looking ahead. The introduction of Stellar to Lava Network is an indicator of the continued development of blockchain infrastructure. The level of reliability, scalability and user experience is becoming a priority as the networks go beyond experimentation to the real world deployment. This integration makes Stellar stronger as a blockchain that can be used in financial applications and Lava Network remains to serve as a major infrastructure provider in the Web3 space.

CaptainAltcoin
Apr 4th, 2026
Why Stellar (XLM) is a better choice than XRP in 2026: analyst.

Why Stellar (XLM) is a better choice than XRP in 2026: analyst. Cross-border payments continue to shape the crypto conversation in 2026, and two names keep coming up whenever that topic appears. Stellar (XLM) and XRP both promise fast and low-cost transactions, yet their direction and purpose continue to separate them in meaningful ways. A closer look shows that XRP was built mainly for financial institutions. Ripple focuses on improving how banks move large amounts of money across borders. That design works well for institutional use, but it limits how much everyday users interact with the system. The perspective shared by Sylvian Guibal, known as Stellar XLM Holder, paints a different picture for XLM. His analysis points to a model built around individuals, small businesses, and regions where access to banking remains limited. That difference becomes important as crypto adoption spreads beyond traditional finance. What you'll learn Stellar Technology Development gives XLM A broader utility advantage over XRP. Technology becomes the next major dividing line between both assets. Transaction speed and cost appear similar on the surface, yet the underlying systems move in different directions. Sylvian Guibal explains that Stellar uses a Federated Byzantine Agreement system. That model allows more open participation in validation and removes the need for central control. XRP uses a system that still ties closely to Ripple's influence, which raises questions about how decentralized it truly is. The gap becomes more visible with smart contract functionality. Stellar introduced Soroban, which expands its capabilities into decentralized finance and tokenized assets. That upgrade allows developers to build more complex applications directly on the network. Ripple continues to explore sidechains and compatibility solutions. Those efforts exist, but they do not match the level of native integration seen on Stellar. That difference gives XLM a wider range of use cases beyond simple transfers. Decentralization and regulatory history continue to shape investor confidence. Another factor that keeps coming up in this comparison involves decentralization and regulatory exposure. XRP spent years dealing with legal pressure before reaching a settlement in 2025. That episode created uncertainty that still influences how some participants view the project. Sylvian Guibal highlights that Stellar avoided similar challenges. The network operates under a non-profit structure through the Stellar Development Foundation. That setup supports a more open system without a central authority controlling large portions of supply. XRP still maintains strong connections with institutions, which brings stability in one sense but also keeps it tied to traditional financial systems. XLM moves in a direction that aligns more closely with open blockchain ideals. Market cap difference shows why XLM holds more upside potential than XRP. Market size often determines how much room an asset has to grow. Current figures place XRP between $80B and $120B in market cap, with price near $1.30. XLM sits much lower, with a valuation between $5B and $7B and price around $0.16 to $0.22. Sylvian Guibal uses this gap to explain why XLM could deliver stronger returns. Smaller market cap assets tend to move faster during strong cycles. Historical patterns show that when capital flows into altcoins, lower-cap projects often expand more aggressively. That does not guarantee performance, yet it explains why attention continues to build around XLM when market conditions improve. Real world usage shows Stellar adoption growing in emerging markets. Adoption on the ground tells another important story. XRP continues to build partnerships with financial institutions, although many of those developments take time before they translate into daily usage. Stellar moves differently. Its network already supports remittances and microtransactions in regions across Africa, Latin America, and Southeast Asia. That activity connects directly to people who need low-cost financial access. Sylvian Guibal points to this usage as a key strength. The ecosystem supports stablecoins, tokenized assets, and payment rails designed for everyday use. That creates an environment where growth comes from real interaction, not only institutional agreements. The comparison between XLM and XRP ultimately comes down to direction. XRP continues to serve traditional finance as it evolves. Stellar builds toward a system that focuses on accessibility and open participation. Sylvian Guibal maintains that this difference defines the long-term outlook. XLM expands beyond payments into a broader financial infrastructure. XRP remains effective for institutional transfers, yet its role stays more limited in scope.

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