In a fresh tweet, Levi shared a video explaining how XLM’s current price affects the number of tokens required to reach a seven-figure valuation. With XLM trading at around $0.18 at the time of his analysis, he suggested that the figures may surprise many investors who are evaluating the cryptocurrency’s long-term potential.

Levi explained that if XLM were to reach $1, an investor would need one million tokens to hold a portfolio valued at $1 million. He added that if the asset climbed to $3, that requirement would fall to approximately 333,000 tokens. For $5, the required holding would decline further to 200,000 tokens, while a $10 XLM would require ownership of just 100,000 tokens to reach the same portfolio value.

How Many XLM You Need to Get Rich

Comment "TRADE" & I'll give you my EXACT Crypto blueprint that made me $20,000 this month! pic.twitter.com/GvlkxPoC6C

— Levi | Crypto Crusaders (@LeviCryptoGuy) July 30, 2026

Price Targets Depend on Adoption and Market Growth

Levi stressed that each projected price level carries different expectations for Stellar’s future development and market position.

He noted that a move to $1 would already represent a new all-time high for XLM, as the cryptocurrency has never traded at that level. In his view, reaching that milestone would primarily require a strong bull market supported by the momentum that he believes the asset is already building.

Looking further ahead, Levi said a $3 XLM would imply a market capitalization of roughly $100 billion. He stated that such a valuation would require Stellar to establish itself alongside XRP as one of the leading digital asset networks in the industry.

He argued that a $5 price target would increase XLM’s market capitalization to approximately $170 billion, roughly twice XRP’s current valuation. Levi suggested that achieving that level would depend on Stellar’s reported DTCC tokenization initiative moving into full operation and generating meaningful transaction volume.

For the most ambitious scenario, Levi estimated that a $10 XLM would value the network at around $340 billion. He maintained that such a valuation would require Stellar to evolve into financial infrastructure that governments, institutions, and businesses rely on globally.

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Long-Term Outlook for Stellar

Levi concluded that the lower price targets could be achieved during another favorable market cycle, while the higher valuations would depend on Stellar successfully delivering the technology and initiatives currently under development.

His comments present a framework for investors to compare potential portfolio outcomes at different XLM prices while highlighting that higher valuations would require substantial growth in adoption, utility, and institutional use rather than market appreciation alone.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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The development has fueled optimism around Stellar’s future role in tokenized assets and prompted renewed debate among investors about whether XLM now offers more upside than XRP.

Some traders have even discussed moving capital from XRP into XLM. Software engineer and crypto commentator Vincent Van Code (@vincent_vancode) believes investors should take a longer-term view.

Don't people get it:

Buying XLM now is too late, if you want to make fast money.

It's kind of already too late for XRP too.

However, utility adoption of XLM and XRP hasn't begun yet, which I think is where we will get YoY 50 to 70% gains, maybe more.

— Vincent Van Code (@vincent_vancode) June 1, 2026

The Fast-Money Opportunity Has Passed

Despite the renewed enthusiasm, Van Code offered a measured assessment of the current market. He stated, “Buying XLM now is too late if you want to make fast money.” He shared a similar view on XRP, adding that it is “kind of already too late” for investors seeking rapid gains.

His comments focused on expectations rather than the long-term outlook for either asset. According to Van Code, the market has already moved significantly, making it harder to achieve the type of quick returns many traders hope to capture by buying now that XLM has momentum.

Utility Adoption Remains the Main Story

While Van Code expressed caution regarding short-term gains, he remains optimistic about what comes next. “Utility adoption of XLM and XRP hasn’t begun yet,” he said. He believes that phase could generate year-over-year returns of 50%-70%, and potentially more.

The argument centers on real-world usage rather than speculation. As tokenization, cross-border payments, and blockchain-based settlement systems continue to expand, supporters of both assets expect utility demand to become a larger factor in valuation.

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XRP’s Future Continues to Generate Debate

Several community members focused on XRP’s long-term potential. One commenter questioned what could happen if banks broadly adopted XRP through Ripple’s ecosystem, arguing that the asset is not yet priced according to its utility.

This opinion challenges the assertion that it’s too late to get into XRP. However, Van Code pointed out that banks would likely not use XRP directly, but adopt it through Ripple’s systems and the XRP Ledger.

Another community member cited a previous prediction by Van Code involving a possible $500 XRP price by 2035. Van Code responded that he does not make direct price predictions and instead shares views on how prices could perform under certain conditions.

Many investors remain focused on utility-driven growth. For Van Code, that is where the next chapter for XRP and XLM may emerge. These assets are for long-term investors, not those looking for a quick price increase.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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The post Software Engineer Says Buying XRP or XLM Now Is Too Late If… appeared first on Times Tabloid.