AI predicts Stellar (XLM) price for January 31, 2026

Driven by market-wide factors like Bitcoin’s (BTC) latest rally and more direct positive developments, including Visa’s (NYSE: V) integration and U.S. Bank testing, Stellar (XLM) price has been surging in the last 24 hours.

Indeed, the recent momentum follows a significant growth in the ecosystem despite the lackluster market performance in the second half of 2025, with Stellar’s X account noting that its ‘stablecoin market cap increased 53% YoY (year-over-year)’ and that ‘the market cap of RWAs on Stellar increased 196% to $890.2 million (+2.9%).’

At press time on January 14, XLM’s 24-hour chart shows a 8.99% surge to $0.24, meaning the token is outperforming its main rival XRP, and cryptocurrency heavyweights like BTC and Ethereum (ETH).

Still, Stellar’s technicals leave some room for doubt since factors such as the relative strength index (RSI) fail to give a clear indication of whether XLM’s next move will be downward or upward. Thus, Finbold elected to consult its artificial intelligence (AI) systems on how the token might fare through the rest of January.

AI sets XLM price target for January 31, 2026

On average, the AI models included in Finbold’s prediction system proved rather conservative about XLM’s performance by January 31, 2026. Overall, Stellar is expected to trade at $0.249 at the end of the month, just 2.9% above its press time price.

Claude Opus 4.1 was the most bullish as it predicted a 10.7% climb to $0.26. Gemini 2.5 Flash, on the other hand, was not only conservative but mildly bearish with a $0.239 price target – 1.15% below the press time price.

Technicals utilized by the AI system reveal much about why the prediction proved so measured. Indeed, factors like the RSI give no clear indication of direction, while the moving average convergence divergence (MACD) slope shows only that the downtrend is slowing but has not yet tipped into a bullish signal.

The simple moving average (SMA) charts for the last 200 and 50 days, however, might be the smoking gun, as they show first a rather pronounced downtrend and then a stabilization consistent with the AIs forecasting XLM would end January within 10% of its January 14 price.

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