Settlement and payment coins: XRP, Stellar, Hedera and more
This page scores five payment and settlement networks, XRP, Stellar, Algorand, Hedera and Litecoin, against their past highs and explains how regulation and bank partnerships have driven their cycles.
Bull Market
6% confidence · UncertainSustained uptrend: greed rising, most coins well above their lows, momentum strong.
In past bull phases, traders have typically set price targets, raised stop-losses and planned their exits.
Cycle 4: BTC peaked at $126,080 on 6 Oct 2025, 534 days after the halving · Alts average 84% below their ATH
Five live readings drive this classification
- Fear & GreedGreed
- Avg ATH distance83% below ATH
- Avg RSIWeak
- Zone mix80% buy-side / 7% sell-side
- Bargain ScoreUndervalued
Phase from 5 live indicators across 54 coins. Halving-to-peak history: 371 / 526 / 548 / 534 days (mean 495). Estimates, not forecasts. Halving estimate from mempool.space block height.
The phase comes from five live readings: Fear & Greed, the average distance below ATH, average RSI, the mix of zones and the average Bargain Score. Each is scored from 0 (bull) to 100 (bear), then averaged. An average of 70 or more reads as Accumulation, 50 Early Recovery, 30 Bull Market, 15 Euphoria, and anything lower Distribution.
- Fear & Greed: Greed.
- Avg ATH distance: 83% below ATH.
- Avg RSI: Weak.
- Zone mix: 80% buy-side / 7% sell-side.
- Bargain Score: Undervalued.
Confidence is how far the average sits from the 50 midpoint, doubled. The countdowns use the block-height estimate for the next halving and the average halving-to-peak gap of past cycles. They are historical patterns, not forecasts. Next halving estimate plus the mean halving-to-peak gap over 4 cycles (371 / 526 / 548 / 534 days).
Read the full methodTop coins by market cap
BNB BNB
Uniswap UNI
Internet Computer ICP
Optimism OP
Filecoin FIL
Showing 5 coins · sorted by Zone score, high to low
- 1
Hedera
HBAR · Settlement RailsPrice$0.087624h+2.84%Position14% of rangeMkt cap$3.9BVolume$103MRSI22Zone score59/100Mild discount, strength 3 of 5Zone score 40–59: Price is a little below its usual range for this point in its cycle. How zones workCycle targetsBase $0.6546 (+647%)Price 85% below ATH · greed high · RSI oversold (22, 14-day) · longs crowdedHedera is 85% below its all-time high while the market is greedy. The Bargain Score puts it interesting, but not yet at deep-discount levels.
Bargain Score 58/100 (Watch). Risk level Low.
- 2
Stellar
XLM · Settlement RailsPrice$0.191124h+1.97%Position22% of rangeMkt cap$6.7BVolume$138MRSI27Zone score56/100Mild discount, strength 3 of 5Zone score 40–59: Price is a little below its usual range for this point in its cycle. How zones workCycle targetsBase $1.01 (+427%)Price 78% below ATH · greed high · RSI oversold (27, 14-day)Stellar is 78% below its all-time high while the market is greedy. The Bargain Score puts it interesting, but not yet at deep-discount levels.
Bargain Score 58/100 (Watch). Risk level Low.
- 3
Litecoin
LTC · PoW MiningPrice$61.4524h+2.90%Position15% of rangeMkt cap$4.8BVolume$237MRSI33Zone score54/100Mild discount, strength 3 of 5Zone score 40–59: Price is a little below its usual range for this point in its cycle. How zones workCycle targetsBase $471.80 (+668%)Price 85% below ATH · greed high · longs crowdedLitecoin is 85% below its all-time high while the market is greedy. The Bargain Score puts it interesting, but not yet at deep-discount levels.
Bargain Score 58/100 (Watch). Risk level Low.
- 4
Algorand
ALGO · Settlement RailsPrice$0.119724h+2.60%Position1.3% of rangeMkt cap$1.1BVolume$58.1MRSI46Zone score47/100Mild discount, strength 3 of 5Zone score 40–59: Price is a little below its usual range for this point in its cycle. How zones workCycle targetsBase $4.09 (+3,320%)Price 97% below ATH · greed highAlgorand is 97% below its all-time high while the market is greedy. The Bargain Score puts it at a meaningful discount.
Bargain Score 62/100 (Meaningful discount). Risk level Medium.
- 5
XRP
XRP · Settlement RailsPrice$1.3724h+3.91%Position38% of rangeMkt cap$86.6BVolume$1.8BRSI33Zone score45/100Mild discount, strength 3 of 5Zone score 40–59: Price is a little below its usual range for this point in its cycle. How zones workCycle targetsBase $4.20 (+206%)Price 62% below ATH · greed high · funding negative · longs crowdedXRP is 62% below its all-time high while the market is greedy. The Bargain Score puts it interesting, but not yet at deep-discount levels.
Bargain Score 45/100 (Watch). Risk level Low.
End of the list
5 of 54 coins shown. Search above to add another coin, or see which coins changed zone today.
Today’s zone changes
About settlement rails
Key takeaways
- These networks were built to move money, and most have been pitched to banks and payment firms rather than traders.
- Regulation and headlines have driven their prices more than usage, and XRP is the clearest example.
- Partnership news rarely needs the token: a bank can use a network's software without holding its coin.
These networks were built to move money, and most of them have spent years selling that idea to banks, payment firms and central banks rather than to crypto traders. Ripple pitches XRP for cross-border payments, Stellar is used to issue stablecoins and move remittances, Algorand has been used for central bank digital currency trials, and Hedera is run by a council of large companies. Litecoin is here for a different reason, having been created in 2011 as a faster, cheaper version of Bitcoin for everyday payments.
The group is older than most of our list, and its price history has been driven more by regulation and headlines than by usage. XRP is the clearest example: the US Securities and Exchange Commission sued Ripple in December 2020, a federal judge ruled in July 2023 that Ripple's programmatic sales of XRP on exchanges were not securities offerings, and XRP finally set a new all-time high in July 2025, beating its January 2018 peak.
On the latest snapshot
On the latest snapshot (14 Oct, 02:00 BST), Algorand has the highest Bargain Score among the settlement coins at 62, the typical coin in the group is 85% below its high, and 5 of 5 sit in a discount zone.
Stellar's high also dates from January 2018 and on 10 October 2026 it was still 77% below it. Algorand's comes from the week it launched in June 2019, when thin early trading pushed the price far above anything it has reached since.
The risk we keep coming back to is that partnership news rarely needs the token. A bank can use a payment network's software without holding its coin, a central bank pilot can end without going live, and stablecoins issued on faster general-purpose chains compete for the same payments.
How the scores work
Every formula and data source behind the Bargain Score and the zones, checked against the code.
Read the methodology How the screener reads these coins
Launch-week highs distort the distress score, and Algorand looked 96.7% down on 10 October 2026 because its reference point is a price set in its first days of trading, and the model has no way of knowing that high was an outlier. We have left the figure alone, since adjusting highs by hand would be a judgement we would then have to make for every coin, but it is worth keeping in mind when reading Algorand's score.
FAQ
Questions about settlement rails
Why did XRP behave so differently from the rest of this group?
Mainly because of its court case. For two and a half years after December 2020, several US exchanges suspended XRP trading and the price was held back by legal uncertainty that the other coins in this group did not face.
When that eased, first with the July 2023 ruling and then with the end of the case, XRP had a reason to re-rate that was specific to it, and in July 2025 it passed its 2018 high while Stellar and Algorand stayed far below theirs. Even so, by 10 October 2026 it was 61% below that new high, which is a reminder of how far even the strongest coin in a group can fall back within a few months.
Does a bank partnership make a settlement coin more valuable?
Not necessarily. Many partnerships involve a bank using a company's messaging or settlement software, which does not require the bank to buy or hold the network's coin, and some announcements are pilots that never move into production. The ones that matter for the coin are those where the coin itself is used to settle payments in volume, and in our reading those are much rarer than the headlines suggest. The model does not score partnerships at all, as it only sees price, supply, sentiment and trading data.
How does Litecoin's halving work?
Like Bitcoin's. Every 840,000 blocks the reward paid to Litecoin miners halves, which happens roughly every four years; the last one was in August 2023, when the block reward fell from 12.5 to 6.25 LTC, and the next is expected around 2027. Litecoin's past halvings have not lined up with its price cycles as neatly as Bitcoin's, and its highest price, in May 2021, came well after its 2019 halving rather than soon after it.
Important information
Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong.
Cryptoassets are largely unregulated in the UK, so you are unlikely to have access to the Financial Ombudsman Service or the Financial Services Compensation Scheme if something goes wrong. Educational information only, not financial advice. Read our disclaimer.
The crypto cycle in more depth
- Market mood Crypto Fear & Greed Index Today's reading and every daily value since 2018, with how fear and greed lined up with Bitcoin's cycles.
- Bitcoin cycle Bitcoin halving countdown The next halving estimated from block times, and every past halving beside the cycle peak that followed.
- Real returns Bitcoin real returns Bitcoin's highs and drawdowns restated after US and UK inflation and against money printing.
- Real returns Real returns for every asset Shares, gold and crypto measured against inflation in dollars and pounds, and against money printing.